Coverage made HUMAN.

The White House launched TrumpRx in February 2026 — a government site offering direct-to-consumer drug discounts at "most-favored-nation" pricing. Sounds good. The catch: for most employees already on a group plan, their insurance will likely get them a better price. Before your staff bypasses their benefits to use it, have them compare. Using TrumpRx could also affect HSA eligibility depending on plan type. This is worth a conversation at your next renewal.

The administration has proposed eliminating PBM kickbacks as part of its "Great Healthcare Plan" and directed the DOL to propose new fiduciary transparency rules around PBM compensation. Translation: the spread pricing games that have been quietly draining employer drug budgets may finally face real scrutiny. Now is the time to ask your current broker exactly how your PBM is being compensated — and whether you're on a pass-through contract.

Federal regulators have made mental health parity enforcement a top priority this year. Employers must have written, data-supported analyses proving their mental health benefits are truly comparable to medical benefits — including how those rules are applied in practice, not just on paper. Most small-to-mid-size employers don't have this documentation. If you haven't had a Non-Quantitative Treatment Limitation review done, you may be exposed. This is one we can help you address.

The enhanced ACA premium tax credits expired December 31, 2025 — and the impact is real. Premiums more than doubled on average for subsidized enrollees. Employees who were covering dependents through the marketplace may now be looking to get back onto your plan. And if Congress doesn't act, 2027 renewals could see another 7.7% premium spike. Review your plan design and dependent coverage options now — before open enrollment pressure hits.