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Empowering the Next Generation: Making Benefits “Easy” for Young Employees | JRW Associates, Inc., a Raleigh Benefit Advisory

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Health Insurance today is significantly more complex for young workers than it was just a decade ago.  This complexity is driven in large part by healthcare costs that have outpaced inflation, pushing premiums, copays, and other out-of-pocket expenses to comprise substantial portions of their budgets.  For many younger employees, navigating this landscape is confusing – … Continued

Compliance Update | JRW Associates, Inc., a Raleigh Benefit Advisory

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NONDISCRIMINATION TESTING AND NEW DEPENDENT CARE FSA CONTRIBUTION LIMIT Beginning in January 2026, the maximum contribution to a Dependent Care Flexible Spending Account (DCFSA) will increase from $5,000 to $7,500 ($3,750 for married employees filing separately). This expanded limit offers employees greater tax savings for child and adult care expenses, but it also raises the … Continued

Compliance Update | JRW Associates, Inc., a Raleigh Benefit Advisory

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UNDERSTANDING AND DISTRIBUTING MLR REBATES Insurance carriers must issue Medical Loss Ratio (MLR) rebates by September 30 when too much of the prior year’s premiums went to administrative costs or profit instead of claims and quality improvements. Employers who received MLR rebate checks will need to determine how much—if any—belongs to the plan and its … Continued

Compliance Recap September 2025 | JRW Associates, Inc., a Raleigh Benefit Advisory

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UNDERSTANDING AND DISTRIBUTING MLR REBATES Insurance carriers must issue Medical Loss Ratio (MLR) rebates by September 30 when too much of the prior year’s premiums went to administrative costs or profit instead of claims and quality improvements. Employers who received MLR rebate checks will need to determine how much—if any—belongs to the plan and its … Continued

Mastering Open Enrollment: A Step-by-Step Guide | JRW Associates, Inc., a Raleigh Benefit Advisory

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Open enrollment doesn’t have to be a stressful administrative task. When planned well in advance, it becomes a valuable opportunity to review and enhance your benefits offerings, demonstrating your commitment to your team’s physical, mental, and financial well-being. A well-executed open enrollment can boost employee morale, improve retention, and ensure your workforce is supported. Use … Continued

Reminder: Medicare Part D Notices due by October 15th | JRW Associates, Inc., a Raleigh Benefit Advisory

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Employers who sponsor group health plans that offer prescription drug coverage to Medicare-eligible individuals are reminded that they must provide a Medicare Part D Creditable or Non-Creditable Coverage Notice to those individuals by October 15th. These notices serve to inform Medicare-eligible individuals whether the prescription drug coverage offered is creditable, meaning it is expected to … Continued

2026 Medical Cost Outlook | JRW Associates, Inc., a Raleigh Benefit Advisory

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PwC’s latest annual analysis forecasts that group health insurance costs will increase by 8.5% in 2026—the third straight year at this elevated trend. This sustained rise means health care expenses are now similar to those seen 15 years ago, after a brief dip post-pandemic. Researchers gathered data from actuaries at 24 major U.S. health plans, … Continued

MEDICARE PART D ANNUAL NOTICE REMINDER FOR EMPLOYERS | JRW Associates, Inc., a Raleigh Benefit Advisory

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Each year, all employers that offer prescription drug coverage must provide a Medicare Part D notice to all Medicare-eligible individuals—including retirees, active employees, dependents, or COBRA participants—by October 15, the start of Medicare’s open enrollment period. Most employers choose to send this notice to their entire covered population to simplify compliance. This applies to employers … Continued

State Policy Updates: North Carolina Regulates PBMs, Texas Extends Newborn Coverage, and Illinois Expands Dependent Eligibility | JRW Associates, Inc., a Raleigh Benefit Advisory

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In August, North Carolina’s Governor signed the SCRIPT Act into law, regulating PBM transparency and strengthening consumer and pharmacy protections. Texas extended the time for new parents to enroll their newborns in coverage from 31 to 60 days from the date of birth. Employers prepare to send out Medicare Part D Creditable Coverage letters to … Continued

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