We are Moving our Office!

🇺🇸 “One Big Beautiful Bill Act” Brings Big 💥 Changes to Employee Benefits

On July 4, 2025, President Donald Trump signed the One Big Beautiful Bill Act (OBBB Act) into law. This major legislation includes a variety of updates to employee benefit plans — most of which take effect in 2026.

🔑 What’s New for Employees & Employers:

🖥️ Telehealth Just Got Easier

HDHPs can permanently cover telehealth and remote care before deductibles — without affecting HSA eligibility.

💳 HSA Expansion

Starting in 2026:

• Individuals with Direct Primary Care (DPC) can now contribute to HSAs if fees are under $150/month.
• Bronze & catastrophic ACA plans will count as HDHPs, expanding HSA eligibility.

👶 Bigger Dependent Care FSA Limits

Starting in 2026:

• Limits increase to $7,500 (joint filers) and $3,750 (separate).
• Helps working families save more on childcare tax-free.

🎓 Student Loan Repayment Help = Permanent

Employers can keep helping pay student loans through educational assistance programs beyond 2025.

• 💵 Up to $5,250/year stays tax-free.
• That limit will grow with inflation starting in 2027.

🍼 Introducing “Trump Accounts” for Kids

A new tax-advantaged savings account for children under 18:

• Contribute up to $5,000/year (tax-deferred).
• Employers can pitch in up to $2,500/year, tax-free.
• 🎁 Kids born 2025–2028 may get a $1,000 bonus from the government!

Have any more questions? Give us a call at 520-721-4848

(more…)

🏛️ U.S. Supreme Court Upholds ACA Preventive Care Mandate

📅June 27, 2025 — In a landmark decision, the U.S. Supreme Court upheld a central provision of the Affordable Care Act (ACA), affirming that health plans and issuers must continue covering the full range of recommended preventive care services without cost sharing.

⚖️ The Case: Kennedy v. Braidwood Management, Inc.
The ruling reverses a previous decision by the 5th Circuit Court and affirms that the ACA’s preventive care mandate is constitutional. As a result, health plans and issuers must continue offering free preventive services—including immunizations and screenings—as long as they’re provided by in-network providers.

💡 Reminder: These services must be offered without deductibles, copayments, or coinsurance.

🩺 What’s Included in Preventive Care Coverage?
Under the ACA, non-grandfathered health plans are required to cover:

(more…)