Federal Health & Welfare Updates

Dec 16, 2025

IRS Releases OBBBA Guidance on Expanded Availability of HSAs

On December 9, 2025, the IRS released IRS Notice 2026-5, which offers guidance regarding modifications to HSAs instituted by the One, Big, Beautiful Bill Act (OBBBA), enacted on July 4, 2025. These changes involve telehealth services, bronze and catastrophic plans, and direct primary care service arrangements (DPCSAs). 

Dec 3, 2025

The Healthcare Transparency Trajectory – Delayed but Not Derailed

During the recent government shutdown, the release delayed agency guidance for employee benefits, including important healthcare transparency rules. However, transparency, particularly regarding prescription drug coverage, remains a priority of the Trump administration. Now that government operations have resumed, employers should anticipate the release of significant transparency guidance in the coming days and should understand the potential impact on their prescription drug plans.

Dec 3, 2025

Stopgap Bill Ends Government Shutdown with Subsidy Issue Unresolved

The stopgap bill temporarily extended funding for most of the federal government through January 30, 2026. Notably, though, the bill did not include any extension of the ACA enhanced premium tax credits (PTCs), which was the central issue during the shutdown.

Nov 5, 2025

IRS Announces Annual PCOR Fee Adjustment

PCOR fees are payable by insurers and sponsors of self-insured plans (including level-funded plans, HRAs, and many point solution programs). The fees apply to retiree-only plans but do not apply to excepted benefits such as stand-alone dental and vision plans or most health FSAs.

Oct 22, 2025

IRS Announces 2026 Health FSA, Transportation, and Other Benefit Limits

The IRS recently issued Revenue Procedure 2025-32, providing certain cost-of-living adjustments for a wide variety of tax-related items, including health FSA contribution limits, transportation and parking benefits, qualified small employer health reimbursement arrangements (QSEHRAs), the small business tax credit, and other adjustments for tax year 2026.  

Oct 22, 2025

Departments Release New Guidance on Fertility Benefit Offerings

The new guidance was issued in response to President Trump’s Executive Order 14216, "Expanding Access to In Vitro Fertilization," which called for recommendations to protect in vitro fertilization (IVF) access and reduce out-of-pocket and health plan costs for IVF treatment. Specifically, the FAQs clarify the types of “excepted benefits” employers can use to provide fertility benefits.

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PPI Benefit Solutions does not provide legal or tax advice. Compliance, regulatory and related content is for general informational purposes and is not guaranteed to be accurate or complete. You should consult an attorney or tax professional regarding the application or potential implications of laws, regulations or policies to your specific circumstances.

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