Benefit Well
Benefits advice from your FH Insurance Team.
![Reproductive Health Care Privacy Under HIPAA](https://fh-insurance.com/wp-content/uploads/2024/06/pexels-mart-production-7089047-e1719777689689-768x499.jpg)
Reproductive Health Care Privacy Under HIPAA
Reproductive Health Care Privacy Under HIPAA
![Employee Benefits | Offering Financial Wellness](https://fh-insurance.com/wp-content/uploads/2022/10/AdobeStock_506493560-e1666199284702-768x512.jpeg)
Employee Benefits | Offering Financial Wellness
Employee Benefits | Offering Financial Wellness
![No Meeting Fridays](https://fh-insurance.com/wp-content/uploads/2024/06/pexels-pixabay-416320-768x512.jpg)
Workplace Culture | Embracing No-Meeting Fridays
Workplace Culture | Embracing No-Meeting Fridays
![](https://fh-insurance.com/wp-content/uploads/2023/02/AdobeStock_452339103-768x512.jpeg)
Upcoming Webinar: Understanding FMLA and State Paid Family Medical Leave Plans
Understanding FMLA and State Paid Family Medical Leave Plans Tuesday, July 9th | 12:00 p.m. MT REGISTER Attend this month’s webinar to learn how to recognize covered employers, eligible Read More
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Upcoming Webinar: The Evolution of HR Technology – Three Key Insights Employers Should Know
The Evolution of HR Technology: Three Key Insights Employers Should Know Tuesday, July 16th | 12:00 p.m. MT REGISTER Attend this month’s webinar to gain insights into driving your Read More
![Navigating Anxiety](https://fh-insurance.com/wp-content/uploads/2024/05/AdobeStock_408978254-e1716328925891-768x432.jpeg)
Navigating Anxiety
Navigating Anxiety
![Enhancing Connection](https://fh-insurance.com/wp-content/uploads/2024/05/pexels-fauxels-3184306-768x512.jpg)
Workplace Culture | Enhancing Connection
Workplace Culture | Enhancing Connection
![FAQs about the Patient Centered Outcomes Research Institute (PCORI) Fee](https://fh-insurance.com/wp-content/uploads/2024/05/AdobeStock_299175978-768x460.jpeg)
FAQs on PCORI Fees
FAQs about the Patient Centered Outcomes Research Institute (PCORI) Fee
![IRS Releases 2025 Limits for HDHPs and HSAs](https://fh-insurance.com/wp-content/uploads/2024/05/PiggyBank-768x431.jpg)
IRS Releases 2025 Limits for HDHPs and HSAs
IRS Releases 2025 Limits for HDHPs and HSAs
![Pregnant Workers Fairness Act Issued](https://fh-insurance.com/wp-content/uploads/2024/05/Screenshot-2024-05-29-at-3.16.38-PM-768x495.png)
Pregnant Workers Fairness Act Issued
Pregnant Workers Fairness Act Issued
![Preparing for June Prescription Drug Data (RxDC) Reporting](https://fh-insurance.com/wp-content/uploads/2024/04/pexels-readymade-3850680-768x512.jpg)
Portal Open for RxDC Submissions
Portal Open for RxDC Submissions
![FEDERAL TRADE COMMISSION BANS NON-COMPETE CLAUSES](https://fh-insurance.com/wp-content/uploads/2024/05/AdobeStock_682453427-768x430.jpeg)
Federal Trade Commission Bans Non-Compete Clauses
FEDERAL TRADE COMMISSION BANS NON-COMPETE CLAUSES
![CommonSpirit Health and Anthem in Colorado Reach Agreement](https://fh-insurance.com/wp-content/uploads/2024/05/AdobeStock_633523073-768x405.jpeg)
CommonSpirit Health and Anthem in Colorado Reach Agreement
CommonSpirit Health and Anthem in Colorado Reach Agreement
![HHS Finalizes Section 1557 Nondiscrimination Regulations Under the Affordable Care Act](https://fh-insurance.com/wp-content/uploads/2024/05/AdobeStock_374455653-768x512.jpeg)
HHS Finalizes Section 1557 Nondiscrimination Regulations Under the Affordable Care Act
HHS Finalizes Section 1557 Nondiscrimination Regulations Under the Affordable Care Act
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Employee Benefits | Pay Equity
Employee Benefits | Pay Equity
![Commissioner Calls on Anthem and CommonSpirit to Continue Negotiating to Reach a Deal for Colorado Consumers](https://fh-insurance.com/wp-content/uploads/2024/05/Screenshot-2024-05-01-at-5.53.04-PM-768x416.png)
Commissioner Calls on Anthem and CommonSpirit to Continue Negotiating to Reach a Deal for Colorado Consumers
Commissioner Calls on Anthem and CommonSpirit to Continue Negotiating to Reach a Deal for Colorado Consumers
![New York City Workers Allowed To Sue For Sick Leave Violations](https://fh-insurance.com/wp-content/uploads/2024/04/pexels-dustindem-12564034-e1713582386552-768x513.jpg)
New York City Workers Allowed To Sue For Sick Leave Violations
New York City Workers Allowed To Sue For Sick Leave Violations
![Considering Strategic Promotions](https://fh-insurance.com/wp-content/uploads/2024/04/pexels-pavel-danilyuk-8111856-768x513.jpg)
Workplace Culture | Considering Strategic Promotions
Workplace Culture | Considering Strategic Promotions
![Preparing for June Prescription Drug Data (RxDC) Reporting](https://fh-insurance.com/wp-content/uploads/2024/04/pexels-readymade-3850680-768x512.jpg)
Preparing for June Prescription Drug Data (RxDC) Reporting
Preparing for June Prescription Drug Data (RxDC) Reporting
![Tailoring Workplace Benefits for Generation Z](https://fh-insurance.com/wp-content/uploads/2024/04/pexels-cottonbro-4101143-768x512.jpg)
Employee Benefits | Tailoring Workplace Benefits for Generation Z
Employee Benefits | Tailoring Workplace Benefits for Generation Z
![Affordable Care Act Information Reporting](https://fh-insurance.com/wp-content/uploads/2024/03/pexels-daria-obymaha-1684149-768x512.jpg)
DOL Announced 2024 Compliance Errors Penalties
DOL Announced 2024 Compliance Error Penalties
![Shared handshake between coworkers over contract-laden table](https://fh-insurance.com/wp-content/uploads/2024/03/qtq80-ycZEXJ-768x512.jpeg)
2025 Employer Shared Responsibility Penalties
The IRS has released the 2025 employer shared responsibility payments under the Affordable Care Act (ACA). Applicable large employers (ALEs) may face penalties for failing to provide minimum essential Read More
![Prescription drugs in hand close-up](https://fh-insurance.com/wp-content/uploads/2024/03/qtq80-FnEzRT-768x510.jpeg)
Updated Instructions Released For June 1 RxDC Reporting
The No Surprises Act, as part of the Consolidated Appropriations Act, 2021 (CAA), requires employer-sponsored health plans to comply with annual prescription drug data collection (RxDC) reporting to provide Read More
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UnitedHealthCare Cyberattack Impacts Million
Change Healthcare, a division of UnitedHealthcare’s Optum, was the target of a cyberattack resulting in significant disruptions to prescription orders at thousands of pharmacies nationwide. The impact in the Read More
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Upcoming Webinar: Deep Dive into Qualifying Events and Special Enrollment Periods
DEEP DIVE INTO QUALIFYING EVENTS AND SPECIAL ENROLLMENT PERIODS Tuesday, April 9th | 12:00 p.m. MT REGISTER Attend this month’s webinar to learn how the Internal Revenue Service (IRS) Read More
![Compliance Forms on Desk](https://fh-insurance.com/wp-content/uploads/2023/02/AdobeStock_304830149-e1711126370781-768x310.jpeg)
Employee Benefits | Millennials in Focus
Born between 1981 and 1996, Millennials represent 44% of the current workforce. They are reshaping expectations with their demand for roles that are not only professionally fulfilling but also Read More
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Navigating Corporate Social Responsibility
Corporate social responsibility (CSR) has evolved from a voluntary initiative to an important business strategy that influences brand perception, employee engagement, and investor relations. CSR can include: charitable Read More
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The Importance of Self-Care: Nurturing Your Mind, Body, and Soul
Self-care is more than a buzzword — it’s crucial to maintaining a healthy and fulfilling life. Often misunderstood as an indulgence, self-care is a personal and ongoing process of Read More
![](https://fh-insurance.com/wp-content/uploads/2023/02/AdobeStock_422427697-768x512.jpeg)
Upcoming Webinar: Mastering Medicare – Employer Rules and Regulations
MASTERING MEDICARE – EMPLOYER RULES AND REGULATIONS Tuesday, Feb. 13 | 12:00 p.m. MT REGISTER Attend this month’s webinar to learn how Medicare relates to group health plans of Read More
![](https://fh-insurance.com/wp-content/uploads/2023/12/qtq80-WU99n7-768x512.jpeg)
Colorado Employment Law Updates for January 2024
UPDATES TO PAY TRANSPARENCY LAW The state now requires employers to notify employees about all job opportunities (not including career development or progressions) in advance of filling them. Read More
![](https://fh-insurance.com/wp-content/uploads/2023/12/qtq80-D5Gsyn-768x512.jpeg)
A Strategic Approach to Crafting Employee Benefits That Matter
Creating a successful employee benefits package in today’s competitive job market requires a strategic approach: actively listen to employees understand employee motivations overcome perceived cost barriers A recent survey Read More
![](https://fh-insurance.com/wp-content/uploads/2023/12/qtq80-7WseOk-768x512.jpeg)
Upcoming Webinar: Countdown to Reporting-What It Means to Be An ALE
Tuesday, Jan. 9 | 12:00 p.m. MT REGISTER Attend this month’s webinar to gain an understanding of the rules and regulations that govern self-insured health plans. Gain insights into: Read More
![](https://fh-insurance.com/wp-content/uploads/2022/09/qtq80-KoaNti-768x512.jpeg)
Upcoming Webinar: Compliance Considerations for Self-Funding
Tuesday, Nov. 12 | 12:00 p.m. MT REGISTER Attend this month’s webinar to gain an understanding of the rules and regulations that govern self-insured health plans. Gain insights into: Read More
![](https://fh-insurance.com/wp-content/uploads/2023/02/qtq80-mSxETZ-e1697826256649-768x415.jpeg)
Proposed Guidance for Mental Health Parity Regulations
On July 25, 2023, the Departments of Treasury, Labor, and Health and Human Services (the “Departments”) released proposed rules on the Mental Health Parity and Addiction Equity Act of Read More
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Tips for a Successful Open Enrollment
Open enrollment is a critical period for HR managers and employees, especially given the evolving healthcare landscape and the changing nature of work. Rising healthcare costs, persistent inflation, hybrid work models, Read More
![](https://fh-insurance.com/wp-content/uploads/2022/09/qtq80-KoaNti-768x512.jpeg)
Upcoming Webinar: Best Practices for a Successful Open Enrollment
Tuesday, Oct. 10 | 12:00 p.m. MT REGISTER Attend this month’s webinar to learn best practices to implement and pitfalls to avoid during this year’s open enrollment period. Gain Read More
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New Guidance on No Surprises Act
Recently, the Departments of Labor, Treasury, and Health and Human Services (the “Departments”) released new frequently asked questions (FAQs) on the No Surprises Act and the Transparency in Coverage Read More
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Colorado FAMLI Updates
On November 1, 2022, the Division of Family and Medical Leave Insurance (FAMLI) adopted final rules that employers must follow if they wish to offer a private plan under Read More
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Colorado FAMLI Updates
FAMLI Wage Reporting Offering 30-day Grace Period Reporting wages and premium payments are due April 30, 2023, and thereafter on a quarterly basis. A 30-day grace period is Read More
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PCORI Fees Update
The IRS is raising the fee that insurance issuers or sponsors of self-insured health plans pay annually to fund the federal Patient-Centered Outcomes Research Institute (PCORI) trust fund. The fee Read More
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United Healthcare News
New Requirements for Gastroenterology Services Beginning June 1, 2023, prior authorization for certain gastroenterology endoscopy services for UnitedHealthcare plan members. Please note that screening colonoscopy procedures are not Read More
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May is Mental Health Awareness Month
Employers are in a powerful position to help their employees take care of their mental health needs. Certainly, they can offer the benefits and accommodations that can help their Read More
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Goodbye COVID National Health Emergency Status!
On April 10, 2023, President Biden signed a congressional resolution ending the US national emergency to respond to the COVID-19 pandemic weeks before it was set to expire alongside Read More
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1095 Reporting Extension
On December 15, 2022, the Internal Revenue Service (IRS) issued final regulations that permanently extend by 30 days the deadline for furnishing Form 1095-C and Form 1095-B to individuals. Read More
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Telehealth And Your HSA: A Guide For HR Professionals
Telehealth has become a popular option for many employees seeking medical care, especially during the ongoing COVID-19 pandemic. It provides a convenient and safe way for individuals to receive Read More
![](https://fh-insurance.com/wp-content/uploads/2023/02/AdobeStock_503413639-768x497.jpeg)
Colorado Family and Medical Leave Program
On November 3, 2020, Colorado voters approved Proposition 118 which creates a state-run Paid Family and Medical Leave Insurance (FAMLI) program for Colorado workers. The FAMLI program will ensure Read More
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IRA & Medicare Drug Pricing Reforms
Inflation Reduction Act (IRA) Signed into Law, Includes Multiple Medicare Drug Pricing Reforms On Aug. 12, the Inflation Reduction Act of 2022 (IRA) passed the U.S. House by a Read More
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PCORI Fees Update 2022
Patient-Centered Outcomes Research Trust Fund (“PCORTF”) fees are due by July 31, 2022. By way of background, at the end of 2019, the Federal Government reauthorized the annual payment Read More
![](https://fh-insurance.com/wp-content/uploads/2022/09/qtq80-8aXfqI-768x512.jpeg)
Upcoming Webinar: Workplace Wellness Programs and Compliance with DOL & EEOC Rules
Date: Wed July 13, 2022 2:00 pm to 3:00 pm MDT During this informative webinar Stacy H. Barrow, Esq., BAN’s Director of Compliance, provides an overview of the legal and Read More
![](https://fh-insurance.com/wp-content/uploads/2022/09/qtq80-0JIpPW-768x512.jpeg)
Upcoming Webinar: HCM Trends Update
Date: Wed February 9, 2022 12:00 pm to 1:00 pm MDT In the world of Human Capital Management, Bobbi Kloss’s webinar provides current information on… Join us to educate yourself Read More
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The No Surprises Act
The No Surprises Act The No Surprises Act (NSA) was signed into law on December 7, 2020, as part of the Consolidated Appropriations Act, 2021 (CAA). On July 13, Read More
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Access to Free Covid-19 Tests Expanded
Group Health Plans are Required to Cover the Cost of At-Home COVID-19 Tests, Increasing Access to Free Tests The Biden-Harris Administration is requiring insurance companies and group health plans Read More
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New Colorado Wage Rules
New Colorado Wage Rules Minimum Wage The minimum wage in Colorado will increase to $12.56 per hour. The minimum base wage for tipped employees will be $9.54 per hour. Read More
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Employer Reporting Refresher for 2021 Filing
As we get nearer to the deadline for 2021 ACA reporting, we wanted to provide you with a refresher of some of the requirements for the reporting year.
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ARPA Premium Subsidy Expiration
ARPA Premium subsidy Experation The IRS recently released IRS Notice 2021-46, which provides new guidance and clarifications regarding the COBRA premium subsidy in the American Rescue Plan Act (“ARPA”). Read More
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Medicare Part D Notice of Creditable Coverage
Medicare Part D Notice of Creditable Coverage August is well underway, so employers should be starting to prepare to send their employees the Medicare Part D Notice of Creditable Read More
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Employers Offer Vaccine Incentives Under New EOCC Guidelines
Employers Offer Vaccine Incentives Under New EOCC Guidelines The EOCC has issued new guidance that allows employers to offer incentives to employees who have been vaccinated or may be Read More
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Overhaul of Employer Based Retirement Plans
Overhaul of Employer Based Retirement Plans On May 5, the House Ways and Means Committee unanimously passed the Securing a Strong Retirement Act of 2021. The bill has considerable Read More
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Notice of Class Action Settlement in BCBS Antitrust Lawsuit
Notice of Class Action Settlement in BCBS Antitrust Lawsuit Since approximately 2013, Blue Cross Blue Shield Association (BCBSA) has been defending claims in a class action antitrust lawsuit alleging Read More
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Medicare and HSAs
HSAs & Medicare by Roger D. Garrett, CLU, ChFC, CSS, LUTCF Careful planning is essential when you are approaching enrollment in Medicare and participating in funding a Health Savings Read More
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2021 Patient-Centered Outcomes Research Trust Fund (“PCORTF”) Fees
2021 Patient-Centered Outcomes Research Trust Fund (“PCORTF”) Fees April 7, 2021 As a reminder that the annual Patient-Centered Outcomes Research Trust Fund (“PCORTF”) fees are due by July 31, Read More
![](https://fh-insurance.com/wp-content/uploads/2023/02/qtq80-n3TUZ1-768x512.jpeg)
Colorado Secure Savings Program
2021 Update: Colorado Secure Savings Program Colorado Senate Bill 20-200 was passed in July 2020 and the State is looking to enact it in July/August 2021. Businesses with five Read More
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Sit Up Straight
ERGONOMIC TIPS WHILE WORKING FROM HOME As we adapt the way we work to the best suggested practices at this time, this is an excellent opportunity to review some Read More
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PCORI Fees Update 2022
Patient-Centered Outcomes Research Trust Fund (“PCORTF”) fees are due by July 31, 2022. By way of background, at the end of 2019, the Federal Government reauthorized the annual payment Read More