| With Q4 approaching, it is important to understand the implications that the One Big Beautiful Bill Act will have on your health insurance plans. Come 2026, many provisions will take effect that could significantly impact your group benefits strategy, compliance obligations, and employee communication plans. Below is a summary of the most important changes for employers. |
| 2026 Employer To-Dos • Set 2026 contributions using the 9.96% affordability threshold • Refresh plan documents and SPDs for permanent telehealth relief • Decide whether to add or promote HSAs and DPC offerings • Amend your Section 125 plan for the $7,500 dependent care limit and update enrollment materials • Recheck ICHRA strategy in states where employees buy Bronze plans • Confirm your ACA reporting vendor timeline and data feeds. The One Big Beautiful Bill Act brings meaningful changes to how employers design, fund, and communicate health and welfare benefits. While some provisions create opportunities for more flexibility and tax efficiency, others require careful compliance adjustments. Taking proactive steps now will ensure your organization remains compliant, competitive, and ready to leverage the advantages these changes bring in 2026 and beyond. |