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Recent legislation under the One Big Beautiful Bill Act of 2025 (the “OBBBA”) increased contribution limits for Health Flexible Spending Accounts (“FSAs”) and Dependent Care FSAs (“DCFSAs”) beginning in 2026. While these increases expand tax-advantaged savings opportunities for employees, they also increase the risk of nondiscrimination testing (“NDT”) failures—particularly for employers with workforces or plan […]

The IRS recently released Notice 2026-5, which provides guidance and answers to common questions related to the expanded availability of health savings accounts (“HSA”) under the Reconciliation Act (previously named the One Big Beautiful Bill Act) passed into law earlier this year. Background on Qualified HDHPs and HSA Eligibility To be eligible to contribute to […]

We often hear people refer to others as “smart,” but what does that actually mean? To me, there are different dimensions to being “smart.” It can be made up of several components, including education, knowledge, experience, intelligence, and emotional intelligence (often referred to as EQ). Others may define “smart” as having wisdom, recognizing patterns, or […]

In response to the continuing state regulatory activity involving health plans and employer sponsored employee programs, we have attached a summary of these legislative updates. Feel free to contact your Fedeli Group service team to address your regulatory compliance questions and concerns. Alaska: Pharmacy Benefit Managers (PBM) Effective December 2, 2025, the Alaska Division of […]

We’re excited to share an update on the progress of our extensive office remodel! We want you to know what’s happening behind the scenes as we create a space that reflects our commitment to excellence and hospitality. Here’s what we’ve accomplished thus far: Our goal is simple: to create a corporate home that is not […]

The ACA Reporting Guide relates to the applicable tax year. It includes pertinent information on the final 2025 Forms 1094 and 1095 released by the IRS, which employers will file and furnish in 2026. Below you will find a link to a PDF version of the 2025 guide which includes advice for employers that receive penalty or […]