The Benefits Brief | Q1 2026

At Ameriflex, protecting our customers has always been our priority. From compliance to claims administration, every decision we make is designed to help employers, brokers, and participants use their benefits with confidence. Now, we’re taking that commitment further. We’re proud to introduce Care Covered, a curated FSA and HSA-eligible product store owned by A.E. Perkins,…

If you keep an eye on the regulatory side of employee benefits, 2026 has been a busy year already. A few things are happening in Washington right now that could have real implications for how employers structure their health plans and how brokers advise their clients. Here is a quick rundown of what we are watching…

What Employers Should Review After Q1 As the first quarter wraps up, many employers shift their attention from year-end reporting to day-to-day operations. However, April is one of the most important months of the year to pause and review your benefits compliance strategy. With tax deadlines still fresh and enrollment activity behind you, now is…

Effective February 16, 2026, updated federal regulations under 42 C.F.R. Part 2 requires plan documents and Summary Plan Descriptions to be amended to address the handling of Substance Use Disorder (SUD) treatment records. The amendments below apply to Cafeteria Plans and Health Reimbursement Arrangements (HRAs) administered by Ameriflex. Background & Regulatory Context Title 42 of…

Mid-market employers (50–500 employees) represent one of the strongest growth opportunities for benefits brokers today, but they are also one of the most competitive segments to win. These organizations have outgrown price-only decision-making, yet they often lack the internal HR infrastructure of enterprise employers. The result is sophisticated needs, limited resources, and a growing demand…

Flexible, Compliant Health Benefits for Your Workforce Offering traditional group health insurance can be expensive, complex, and restrictive, especially for businesses with diverse teams or high turnover. An Individual Coverage Health Reimbursement Arrangement (ICHRA) paired with a Health Savings Account (HSA) provides a modern, flexible solution that works for both employers and employees. With ICHRA…

Confused about HSA vs FSA? Both help you save on healthcare costs, but they work differently. Here’s a simple side-by-side comparison to help you choose: Which is Right for You? Choose an HSA if you want long-term savings, investment growth, and flexibility. Choose an FSA if you want predictable yearly medical savings and your employer…

Understanding what qualifies as an eligible expense under your Flexible Spending Account (FSA) or Health Savings Account (HSA) shouldn’t feel complicated. That’s why Ameriflex created the Eligibility List, a clear, easy-to-use resource designed to help participants confidently spend their tax-advantaged healthcare dollars. If you’ve ever wondered whether an item, service, or prescription is eligible for…

The landscape of healthcare benefits administration just shifted significantly. On December 23, 2025, Schlichter Bogard LLC filed its first healthcare ERISA cases, the law firm famous for transforming the 401(k) industry through aggressive fiduciary litigation. For benefits administrators like Ameriflex and the employers we serve, this represents a critical moment that demands attention. Why This…

For years, individuals enrolled in direct primary care arrangements faced a frustrating choice: enjoy the benefits of membership-based primary care or maintain eligibility to contribute to a Health Savings Account (HSA). Thanks to recent legislation, that’s no longer the case. The One, Big, Beautiful Bill Act (OBBBA), enacted in July 2025, fundamentally changed the relationship…