Entries by Q4i Dev

PCORI Reminder – Updated Form 720

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The IRS released the updated Form 720 for the second quarter of 2026 with updated dates and fees on Line 133 for reporting the PCORI fee. You can find the form, with a revision date of June 2026, here – https://www.irs.gov/pub/irs-pdf/f720.pdf. Employers who sponsored self-funded medical plans that ended sometime during 2025 are required to report and pay the ACA Patient-Centered Outcomes Research Institute (PCORI) fee no later than July 31, 2026. Form 720 should be filed for the 2nd quarter ending June 30th, 2026.

Compliance Corner Session: Mid-Year Regulatory Update

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    Day: Tuesday, July 14, 2026 Time: 12:00 PM Pacific / 1:00 PM Mountain / 2:00 PM Central / 3:00 PM Eastern Where: Save my seat     Mid-Year Regulatory Update Regulatory change doesn’t slow down, and neither should your compliance strategy. This mid-year regulatory update webinar will recap the most important benefits and employment law developments from the first half of the year. We’ll also preview what’s on the horizon and share practical takeaways to help employers confidently navigate the rest of the year. Who is Lumelight?  Lumelight is a boutique ACA and benefits compliance consultancy helping people navigate the complex world of employee benefits compliance through deep expertise and superb client service. Want to attend? Save your seat by clicking here.  {% module_block module “widget_1cab5fe7-992d-479b-b8d1-f854882928af” %}{% module_attribute “btn” is_json=”true” %}{% raw %}{“link”:{“no_follow”:false,”open_in_new_tab”:true,”rel”:”noopener”,”sponsored”:false,”url”:{“content_id”:null,”href”:”https://us02web.zoom.us/meeting/register/tZAlfu2tqTotEt1u6mruOOyUF0X8PKz5CHJu#/registration”,”href_with_scheme”:”https://us02web.zoom.us/meeting/register/tZAlfu2tqTotEt1u6mruOOyUF0X8PKz5CHJu#/registration”,”type”:”EXTERNAL”},”user_generated_content”:false},”title”:”I want to attend”}{% endraw %}{% end_module_attribute %}{% module_attribute “btn_type” is_json=”true” %}{% raw %}”cta”{% endraw %}{% end_module_attribute %}{% module_attribute “child_css” is_json=”true” %}{% raw %}{}{% endraw %}{% end_module_attribute %}{% module_attribute “css” is_json=”true” %}{% raw %}{}{% endraw %}{% end_module_attribute %}{% module_attribute “cta” is_json=”true” %}{% raw %}”160409781517″{% endraw %}{% end_module_attribute %}{% module_attribute “definition_id” is_json=”true” %}{% raw %}null{% endraw %}{% end_module_attribute %}{% module_attribute “field_types” is_json=”true” %}{% raw %}{“animation”:”group”,”layout”:”group”,”custom_class”:”text”,”is_in_viewport”:”boolean”,”cta”:”cta”,”style”:”group”,”anchor_link_id”:”text”,”btn”:”group”,”btn_type”:”choice”}{% endraw %}{% end_module_attribute %}{% module_attribute “label” is_json=”true” %}{% raw %}null{% endraw %}{% end_module_attribute %}{% module_attribute “layout” is_json=”true” %}{% raw %}{“alignment”:”center”,”margin_top”:0}{% endraw %}{% end_module_attribute %}{% module_attribute “module_id” is_json=”true” %}{% raw %}100522671426{% endraw %}{% end_module_attribute %}{% module_attribute “path” is_json=”true” %}{% raw %}”2023 Power Theme child/modules/mini-cta”{% endraw %}{% end_module_attribute %}{% module_attribute “schema_version” is_json=”true” %}{% raw %}2{% endraw %}{% end_module_attribute %}{% module_attribute “smart_objects” is_json=”true” %}{% raw %}[]{% endraw %}{% end_module_attribute %}{% module_attribute “smart_type” is_json=”true” %}{% raw %}”NOT_SMART”{% endraw %}{% end_module_attribute %}{% module_attribute “style” is_json=”true” %}{% raw %}{“cta_size”:”pwr-cta–full-width”,”cta_style”:”pwr-cta–primary-solid”}{% endraw %}{% end_module_attribute %}{% module_attribute “tag” is_json=”true” %}{% raw %}”module”{% endraw %}{% end_module_attribute %}{% module_attribute “type” is_json=”true” %}{% raw %}”module”{% endraw %}{% end_module_attribute %}{% module_attribute “wrap_field_tag” is_json=”true” %}{% raw %}”div”{% endraw %}{% end_module_attribute %}{% end_module_block %}

Women’s Health Benefits Are Expanding: What Employers Need to Know

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For decades, employer health plans treated women’s health as a maternity question. Coverage focused on pregnancy and childbirth, and the rest of a woman’s health span got less attention. That singular perspective is breaking down. Rising employee demand and a clearer business case are pushing women’s health from a niche line item toward a core part of competitive benefits design. Two forces are driving this change: Federal rules now require coverage that many plans previously left out Employees across generations have grown vocal about wanting support through fertility, pregnancy, menopause, and the years in between. Employers who understand both can satisfy compliance and competitiveness in the same move.

2027 HDHP/HSA & Excepted Benefit HRA Thresholds

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The IRS released the 2027 high-deductible health plan (HDHP) requirements and health savings account (HSA) annual contribution limits in IRS Rev. Proc. 2026-24. The same document also sets forth 2027 contribution limits for excepted benefit health reimbursement arrangements (EBHRAs). 2027 Qualifying HDHP Coverage  Minimum Deductible Self-only (single) = $1,750; other than self-only (family) = $3,500 OOP Maximum Self-only (single) = $8,700; other than self-only (family) = $17,400 2027 HSA Annual Contribution Limits* Self-only (single) HDHP coverage = $4,500 Other than self-only (family) HDHP coverage = $9,000 *Catch-up contributions – HSA-eligible individuals who have reached age 55 by the end of the taxable year can make an extra annual $1,000 catch-up contribution. HDHP Minimum Deductible HDHP Maximum OOP HSA Contribution Limit 2026 Single – $1,700 Single – $8,500 Single – $4,400 Family – $3,400 Family – $17,000 Family – $8,750 2027 Single – $1,750 Single – $8,700 Single – $4,500 Family – $3,500 Family – $17,400 Family – $9,000 2027 EBHRA Contribution Limits For plan years beginning in 2027, the maximum amount that may be newly made available for an EBHRA in the plan year is $2,250.   Lumelight is not a law firm and cannot dispense legal advice. Anything contained in this communication is not and should not be construed as legal advice. If you need legal advice, please contact your legal counsel.

What the Latest Benefits Research Is Telling Employers to Do Differently

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Two major research reports came out this spring with remarkably consistent findings. The Marsh McLennan Agency 2026 National Benefits Strategy Survey gathered responses from 616 employers across industries, and Goldman Sachs Key Workplace Benefit Trends 2026 drew on Fortune 500-heavy data collected during the 2026 open enrollment season. Together, they point to the same conclusion: Benefits strategy is becoming more intentional, specialized, and consequential for retention. Here are five things the data says employers should do differently.

Compliance Corner Session:  Nondiscrimination Rules

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    Day: Tuesday, June 16, 2026 Time: 12:00 PM Pacific / 1:00 PM Mountain / 2:00 PM Central / 3:00 PM Eastern Where: Save my seat     Nondiscrimination Rules Differentiating benefits can be a strategic tool for employers— but not all differences are allowed. This webinar will help employers understand when and how they can differentiate benefit programs while staying compliant. In this session, we’ll break down the various nondiscrimination requirements that apply to employee benefit plans, including tax code testing rules for highly compensated and key employees and protections against discrimination based on health status, disability, and other protected characteristics. Who is Lumelight?  Lumelight is a boutique ACA and benefits compliance consultancy helping people navigate the complex world of employee benefits compliance through deep expertise and superb client service. Want to attend? Save your seat by clicking here.  {% module_block module “widget_1cab5fe7-992d-479b-b8d1-f854882928af” %}{% module_attribute “btn” is_json=”true” %}{% raw %}{“link”:{“no_follow”:false,”open_in_new_tab”:true,”rel”:”noopener”,”sponsored”:false,”url”:{“content_id”:null,”href”:”https://us02web.zoom.us/meeting/register/tZAlfu2tqTotEt1u6mruOOyUF0X8PKz5CHJu#/registration”,”href_with_scheme”:”https://us02web.zoom.us/meeting/register/tZAlfu2tqTotEt1u6mruOOyUF0X8PKz5CHJu#/registration”,”type”:”EXTERNAL”},”user_generated_content”:false},”title”:”I want to attend”}{% endraw %}{% end_module_attribute %}{% module_attribute “btn_type” is_json=”true” %}{% raw %}”cta”{% endraw %}{% end_module_attribute %}{% module_attribute “child_css” is_json=”true” %}{% raw %}{}{% endraw %}{% end_module_attribute %}{% module_attribute “css” is_json=”true” %}{% raw %}{}{% endraw %}{% end_module_attribute %}{% module_attribute “cta” is_json=”true” %}{% raw %}”160409781517″{% endraw %}{% end_module_attribute %}{% module_attribute “definition_id” is_json=”true” %}{% raw %}null{% endraw %}{% end_module_attribute %}{% module_attribute “field_types” is_json=”true” %}{% raw %}{“animation”:”group”,”layout”:”group”,”custom_class”:”text”,”is_in_viewport”:”boolean”,”cta”:”cta”,”style”:”group”,”anchor_link_id”:”text”,”btn”:”group”,”btn_type”:”choice”}{% endraw %}{% end_module_attribute %}{% module_attribute “label” is_json=”true” %}{% raw %}null{% endraw %}{% end_module_attribute %}{% module_attribute “layout” is_json=”true” %}{% raw %}{“alignment”:”center”,”margin_top”:0}{% endraw %}{% end_module_attribute %}{% module_attribute “module_id” is_json=”true” %}{% raw %}100522671426{% endraw %}{% end_module_attribute %}{% module_attribute “path” is_json=”true” %}{% raw %}”2023 Power Theme child/modules/mini-cta”{% endraw %}{% end_module_attribute %}{% module_attribute “schema_version” is_json=”true” %}{% raw %}2{% endraw %}{% end_module_attribute %}{% module_attribute “smart_objects” is_json=”true” %}{% raw %}[]{% endraw %}{% end_module_attribute %}{% module_attribute “smart_type” is_json=”true” %}{% raw %}”NOT_SMART”{% endraw %}{% end_module_attribute %}{% module_attribute “style” is_json=”true” %}{% raw %}{“cta_size”:”pwr-cta–full-width”,”cta_style”:”pwr-cta–primary-solid”}{% endraw %}{% end_module_attribute %}{% module_attribute “tag” is_json=”true” %}{% raw %}”module”{% endraw %}{% end_module_attribute %}{% module_attribute “type” is_json=”true” %}{% raw %}”module”{% endraw %}{% end_module_attribute %}{% module_attribute “wrap_field_tag” is_json=”true” %}{% raw %}”div”{% endraw %}{% end_module_attribute %}{% end_module_block %}

What Your Leave Policy Says About Your Organization

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Employees read leave policies the way they read every other signal a workplace sends. A policy designed around the bare minimum tells them something. So does one that accounts for grief, mental health, and the full reality of caring for a family. Before organizations ask whether their leave benefits are competitive, a more useful question is: What do our current policies communicate to the people who work here?

Ancillary Benefits: The Benefits Employees Have But Don’t Use

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Most employers would say their benefits package is competitive. For major medical coverage, they can be right, but ask those same employers when they last communicated about dental coverage, explained what short-term or long-term disability covers, or reminded employees that their vision plan includes an annual exam, and the answers get quieter.

Compliance Corner Session:  Leaves of Absence – Focus on State Mandates

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    Day: Tuesday May 19, 2026 Time: 12:00 PM Pacific / 1:00 PM Mountain / 2:00 PM Central / 3:00 PM Eastern Where: Save my seat     Leaves of Absence – Focus on State Mandates As leave laws evolve, administering employee benefits during protected and unpaid leaves has become increasingly nuanced. In this session, we’ll break down employer obligations, benefit continuation requirements, and key decision points when coordinating federal, state, and company leave policies. Special focus will be given to how expanding state-paid leave programs are reshaping employers’ responsibilities and compliance strategies.  Who is Lumelight?  Lumelight is a boutique ACA and benefits compliance consultancy helping people navigate the complex world of employee benefits compliance through deep expertise and superb client service. Want to attend? Save your seat by clicking here.  {% module_block module “widget_1cab5fe7-992d-479b-b8d1-f854882928af” %}{% module_attribute “btn” is_json=”true” %}{% raw %}{“link”:{“no_follow”:false,”open_in_new_tab”:true,”rel”:”noopener”,”sponsored”:false,”url”:{“content_id”:null,”href”:”https://us02web.zoom.us/meeting/register/tZAlfu2tqTotEt1u6mruOOyUF0X8PKz5CHJu#/registration”,”href_with_scheme”:”https://us02web.zoom.us/meeting/register/tZAlfu2tqTotEt1u6mruOOyUF0X8PKz5CHJu#/registration”,”type”:”EXTERNAL”},”user_generated_content”:false},”title”:”I want to attend”}{% endraw %}{% end_module_attribute %}{% module_attribute “btn_type” is_json=”true” %}{% raw %}”cta”{% endraw %}{% end_module_attribute %}{% module_attribute “child_css” is_json=”true” %}{% raw %}{}{% endraw %}{% end_module_attribute %}{% module_attribute “css” is_json=”true” %}{% raw %}{}{% endraw %}{% end_module_attribute %}{% module_attribute “cta” is_json=”true” %}{% raw %}”160409781517″{% endraw %}{% end_module_attribute %}{% module_attribute “definition_id” is_json=”true” %}{% raw %}null{% endraw %}{% end_module_attribute %}{% module_attribute “field_types” is_json=”true” %}{% raw %}{“animation”:”group”,”layout”:”group”,”custom_class”:”text”,”is_in_viewport”:”boolean”,”cta”:”cta”,”style”:”group”,”anchor_link_id”:”text”,”btn”:”group”,”btn_type”:”choice”}{% endraw %}{% end_module_attribute %}{% module_attribute “label” is_json=”true” %}{% raw %}null{% endraw %}{% end_module_attribute %}{% module_attribute “layout” is_json=”true” %}{% raw %}{“alignment”:”center”,”margin_top”:0}{% endraw %}{% end_module_attribute %}{% module_attribute “module_id” is_json=”true” %}{% raw %}100522671426{% endraw %}{% end_module_attribute %}{% module_attribute “path” is_json=”true” %}{% raw %}”2023 Power Theme child/modules/mini-cta”{% endraw %}{% end_module_attribute %}{% module_attribute “schema_version” is_json=”true” %}{% raw %}2{% endraw %}{% end_module_attribute %}{% module_attribute “smart_objects” is_json=”true” %}{% raw %}[]{% endraw %}{% end_module_attribute %}{% module_attribute “smart_type” is_json=”true” %}{% raw %}”NOT_SMART”{% endraw %}{% end_module_attribute %}{% module_attribute “style” is_json=”true” %}{% raw %}{“cta_size”:”pwr-cta–full-width”,”cta_style”:”pwr-cta–primary-solid”}{% endraw %}{% end_module_attribute %}{% module_attribute “tag” is_json=”true” %}{% raw %}”module”{% endraw %}{% end_module_attribute %}{% module_attribute “type” is_json=”true” %}{% raw %}”module”{% endraw %}{% end_module_attribute %}{% module_attribute “wrap_field_tag” is_json=”true” %}{% raw %}”div”{% endraw %}{% end_module_attribute %}{% end_module_block %}