This document discusses how certain state insurance laws may conflict with federal Health Savings Account (HSA) eligibility requirements. Some states mandate that health insurers count third-party payments (e.g., drug manufacturer discounts, coupons, or vouchers) toward an enrollee’s out-of-pocket expenses. However, to maintain HSA eligibility, federal rules require that only actual expenses paid by the insured individual count toward the deductible.

If your business qualifies as an Applicable Large Employer (ALE)—meaning you have 50 or more full-time or full-time equivalent employees—you have specific reporting requirements under the Affordable Care Act (ACA). These reporting obligations ensure compliance with IRS Code Sections 6055 and 6056, which track employer-sponsored health coverage.

Navigating health plan compliance is critical for employers in 2025. Key updates include simplified ACA reporting, new mental health parity requirements, stricter HIPAA standards, and changes to telemedicine exceptions for HSA plans. Employers must also adapt to evolving state pharmacy benefit manager regulations. Staying informed and proactive is essential to maintaining compliance and supporting employee benefits.

In 2025, construction and related industries face rising costs from inflation, labor shortages, and supply chain disruptions. Legal risks are increasing due to stricter safety regulations and contract disputes. Insurance claims are impacted by costly "nuclear verdicts" and defect disputes. Environmental challenges, such as extreme weather and heat, further strain operations. To mitigate these risks, businesses should strengthen financial planning, stay legally compliant, invest in safety and tech, and improve disaster preparedness.

Snow and ice can create significant risks for property owners, potentially leading to liability claims and worker injuries. To help our valued clients navigate these hazards, we've compiled essential risk management strategies for effective snow and ice removal.