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Lockton Spinoff Mylo Aims to Be 'Amazon' of Insurance

"In three years, Mylo ... has sold more than 20,000 policies to more than 14,000 clients.... Mylo is a digital insurance broker that collects client information and then shops the market to find the best combination of coverage and price to meet a client's needs. Technology to do this has been available for a while, but typically it has been deployed internally, by brokers themselves. Mylo created an easy-to-use client-facing system."

Federal Agency Guidance Highlights Avenues to Provide Fertility Coverage as Excepted Benefits

"The agency guidance creates new pathways for employers to offer fertility coverage to their employees as excepted benefits from [ACA] insurance mandates. The FAQ guidance also indicates future agency proposed regulations will be released to address the new pathways and other alternatives for employers to cover fertility coverage."

Third Quarter State Law Overview: A Surge in Activity Affecting Health Plan Compliance

"Over the past quarter, federal and state actions continued to reshape the legal and compliance landscape for health plans in the areas of abortion and gender-affirming care.... [This article highlights] the most consequential legal shifts and emerging trends that health plan sponsors and employers should be tracking as they navigate an increasingly complex regulatory environment."

Upcoming Key Compliance Deadlines and Reminders for Fourth Quarter 2025

"This period includes several important dates related to health and welfare plans, and timely action and accurate documentation are vital to maintaining compliance and avoiding potential penalties.... [This] fourth quarter guide is categorized by federal and state deadlines in chronological order, with additional notice requirements due at open enrollment."

Working Families Should Evaluate Dependent Care FSAs

"[W]orking families should carefully consider choosing a dependent care FSA instead of taking the tax credit, based on the 2026 increase in allowed FSA contributions from $5,000 to $7,500 (or from $2,500 to $3,750 if an employee is married but filing separately).... [E]mployers [should] consider taking steps to adjust their dependent care FSAs to ensure they clear the 55% discrimination test, and that they clearly communicate the options that non-highly compensated employees have in choosing between the FSA or the tax credit."

GLP-1 Indications Continue to Expand: Potential Approvals Expected Through 2026

"Wegovy has now received FDA approval for the treatment of metabolic dysfunction-associated steatohepatitis (MASH) in adults with moderate-to-advanced fibrosis.... The growing GLP-1 approval pipeline has significant implications for employers in terms of cost, coverage, and employee access. Throughout the end of 2026, new indications across a broad range of clinical applications are expected that employers should be aware of[.]"

Managing Fiduciary Liabilities as Plan Investment Options Grow

"For plan sponsors and fiduciaries, ... the order is likely to make their roles and the process of selecting investment options more complicated. It could also make plan administration more costly.... While some participants will find fault with the mere fact that riskier investments will now be available, others might question sponsors that elect not to make such options available."

OBBB Brings Changes for Employee Benefit Plans: Action Items for Employers

"[1] For HDHP/HSA with 2025 plans years, decide whether to continue to charge FMV for telehealth services received prior to satisfaction of the deductible or pivot and reimburse telehealth FMV charges incurred for the 2025 plan year. [2] Work with the FSA vendor to implement the increase in dependent care FSA limits for the 2026 tax year and communicate the increased limit to employees during 2026 open enrollment. [3] Consider whether to make any employee benefit plan changes in 2026 to take advantage of OBBB changes regarding tax-free employer student loan payments under educational assistance programs and employer contributions to the Trump Accounts."

Q2 2025 Overview: State Laws Affecting Health Plan Compliance

"As we close out the second quarter of 2025, the legal landscape across the United States continues to shift dramatically in the areas of abortion and gender-affirming care laws. This quarter has seen a wave of new state-level legislation and pivotal court rulings that are reshaping access to both abortion services and gender-affirming health care for minors."

HIPAA Final Rule Supporting Reproductive Health Care Privacy Vacated by Texas District Court

"[E]mployers will want to revise their policies and procedures ... and inform certain employees (who handle PHI and that were trained on the new rule) that the 2024 Final Rule has been vacated.... [E]mployers who [already] incorporated the vacated rule in their [Notice of Privacy Practices (NPP)] ... should aim to revise (and provide) their NPP by Aug. 17, 2025, to remove the references to the vacated regulation." [Purl v. HHS, No. 24-0228 (N.D. Tex. Jun. 18, 2025)]