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...
Welcome to our new series, where we tackle common questions employers have about healthcare benefits. As healthcare options evolve, understanding the different plans available is crucial to making informed decisions for both your business and your employees. With the ever-changing landscape of healthcare, employers are seeking more flexibility, cost control, and innovative solutions to meet…
What is ACA Compliance? The Affordable Care Act (ACA) requires applicable large employers to offer affordable health insurance that provides minimum essential coverage to their full-time employees and to file the necessary reporting forms by the required deadlines. 2026 ACA Compliance Changes & Penalties What is the compliance threshold? The ACA requires large employers, those…
The beginning of the plan year is the best time to map your benefits compliance strategy As Dale Carnegie said, “An hour of planning can save you 10 hours of doing.” This tip is definitely true for employee benefits compliance, and businesses are learning that it’s an unavoidable and essential aspect of maintaining a successful…
If you’re spending a lot on medical bills, you’re not alone. Healthcare costs are projected to rise about 4.5% each year, and while some employers foot the bill for health insurance, those steady increases will likely result in higher premiums, copays, and out-of-pocket costs. You chose your FSA or HSA because you saw value in…
In the intricate web of corporate governance, fiduciary duty stands tall as a beacon of ethical responsibility. It dictates that those entrusted with managing organizational affairs must do so with integrity, loyalty, and care. However, this duty doesn’t exist in a vacuum—it intersects with legislative acts that shape the landscape of business operations and employee…
Employee benefits play a pivotal role in attracting and retaining top talent while fostering a positive work culture. However, designing a comprehensive benefits strategy requires careful consideration, especially within the regulatory framework of laws like the Consolidated Appropriations Act. In this article, we’ll explore the essential steps to creating an effective employee benefits strategy while…
Following the success of our webinar, Telescope Health and the CAA, which delved into the implications of the Consolidated Appropriations Act (CAA) for employers, it became evident that attendees departed with a host of questions. In response, this article is dedicated to addressing those inquiries, to help foster a deeper understanding of the intersections of…
The Consolidated Appropriations Act (CAA) was passed in 2021, and although it brought significant changes that will continue to impact employers offering group health insurance and their employees, many organizations still haven’t made changes to meet the mandates. What are the key requirements of CAA legislation that employers need to act on? Gag Clause One…
What is the Transportation Benefits Program Act? The State of Illinois recently passed the “Transportation Benefits Program Act” that will go into effect January 1, 2024, and require employers with 50 or more employees located in specific areas to offer a pre-tax commuter benefit to “covered employees.” Employees who take advantage of the benefit can…
It’s true that Health Savings Accounts can pay for medical expenses now, but the most powerful tax advantages and benefits come from saving the balance for later, even into retirement. With the growth in HSA popularity over the last few years, anyone looking for employee benefits has read about or heard of the triple-tax advantage…