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Learn more about CMS excludes HRAs and Health FSAs from Medicare Part D and EBSA outlines shifting priorities for ERISA enforcement. CMS EXCLUDES HRAS AND HEALTH FSAS FROM MEDICARE PART D NOTICES The Centers for Medicare and Medicaid Services (CMS) has released a final rule that exempts account-based plans, such as health reimbursement arrangements (HRAs) and health flexible spending accounts (FSAs), from Medicare Part D disclosure requirements. The change applies to coverage beginning January 1, 2027 . As background, employers with group health plans that provide prescription drug coverage to individuals who are eligible for Medicare Part D must inform both those individuals and CMS whether that coverage is creditable. A group health plan's prescription drug coverage is considered creditable if its actuarial value equals or exceeds the actuarial value of standard Medicare Part D prescription drug coverage; coverage that does not meet this standard is deemed noncreditable. For this purpose, the term “group health plan” includes account-based medical plans such as HRAs and health FSAs, to the extent they are employee welfare benefit plans that provide medical care. The final rule exempts account-based plans, such as health FSAs and HRAs (including individual coverage HRAs, or ICHRAs), from the creditable coverage disclosure requirements. According to CMS, these account-based plans do not actually offer prescription drug coverage; rather, they are designed to provide savings on health care costs through pretax contributions and reimbursements to supplement other health coverage. CMS explains that requiring these plans to determine if their coverage is creditable and report that status unduly increases administrative burden and could result in confusion for beneficiaries. Employers should continue to comply with existing creditable coverage disclosure requirements until the rule takes effect, keeping in mind that the exclusion applies only to account-based plans. Group health plans that offer prescription drug coverage remain subject to the Medicare Part D disclosure requirements. EBSA OUTLINES SHIFTING PRIORITIES FOR ERISA ENFORCEMENT The U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) has released a memorandum outlining its enforcement priorities and guiding principles under the Employee Retirement Income Security Act of 1974 (ERISA). According to EBSA, these priorities and principles are designed to ensure that the agency’s enforcement is “fair, even-handed, responsive and focused.” The memorandum reflects an overall shift to prioritize enforcement actions related to violations of the duty of loyalty rather than prudence in the operation of employee benefit plans. EBSA’s memorandum outlines the following general standards for the agency’s enforcement actions: • Focusing enforcement on the most egregious conduct and significant harm, particularly criminal cases and civil investigations where there is direct evidence of disloyalty or impermissible conflicts of interest; • Ensuring the agency does not regulate by enforcement and instead uses the notice-andcomment rulemaking process and sub-regulatory guidance to drive policy; • Requiring proper review by senior agency officials of all significant enforcement activities; and • Committing to timely and responsive enforcement. Private-sector employers should periodically review their compliance with ERISA’s fiduciary requirements, including adherence to the duty of loyalty and avoidance of prohibited transactions involving impermissible conflicts of interest. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about nipping seasonal allergies in the bud, the impact of chronic stress, and cutting down on added sugars. NIP SEASONAL ALLERGIES IN THE BUD Springtime allergies are an annual nuisance for many people. As plants begin to bloom and people start to cut their grass more frequently, allergy sufferers nationwide start sniffling and sneezing. If this sounds familiar, you may have seasonal allergies, which are symptoms that occur at specific times of the year, typically when allergens are released into the air. The most common spring allergy trigger is tree pollen, which peaks from March to May. What’s more, mold growth blooms both indoors and outdoors, making it almost impossible to escape allergy triggers. According to the Asthma and Allergy Foundation of America, 1 in 4 adults experience seasonal allergies from pollen from trees, grass and weeds. Similar to other types of allergies, seasonal allergies develop when your body’s immune system detects and then overreacts to a foreign substance it thinks is harmful. For some, allergy symptoms may consist of sneezing a couple of times a year. But for others, seasonal allergies can cause congestion, a runny, itchy or stuffy nose, watery eyes, headaches and more for weeks or months at a time. To reduce your allergies, consider the following strategies: • Wash your bedding every week in hot water to help keep pollen under control. • Take a shower after spending time outdoors, as pollen can stick to your hair, skin and clothing. • Limit the number of throw rugs to reduce dust and mold. Also, opt for washable rugs. • Clean your floors often with a vacuum that has a HEPA filter. • Change your air conditioner and heating HEPA filters often. Treatment for most allergies is available both over the counter and by prescription. If your allergy symptoms are severe or chronic, you may need a series of allergy shots. Contact your doctor or ask for a referral to an allergist to determine which seasonal allergy treatment option is best for you. THE IMPACT OF CHRONIC STRESS Stress is defined as a “state of worry or mental tension” often brought on by a difficult situation. It’s a natural reaction to perceived threats. Stress can be a good thing in small doses; it’s the body’s way of handling sudden demands and challenges. Stress responses can enhance your focus, increase energy and promote quick responses. However, frequent and long-term chronic stress can negatively impact your health. Stress triggers are deeply personal, and each person experiences this feeling differently. While stress is a normal part of life that comes and goes as you navigate various life circumstances (e.g., getting a new job or presenting a project), chronic stress is different. It’s characterized by prolonged and constant feelings of pressure and anxiety. Chronic stress can contribute to feelings of anxiety and depression, issues with high blood pressure, a weakened immune system, sleep disturbances and digestive issues. If left unchecked, it can have a long-lasting impact on your physical and mental well-being. If you’re experiencing symptoms of chronic stress, reach out to your health care provider or employee assistance program for guidance and support. CUTTING DOWN ON ADDED SUGARS Sugar is woven into the modern diet—often in ways that aren’t obvious. While naturally occurring sugars can be part of a balanced eating pattern, added sugars are a different story. The 2025–2030 Dietary Guidelines for Americans (DGA) reflects mounting research that reducing added sugars can improve metabolic health and lower long-term disease risk. The DGA recommends limiting added sugars as much as possible and advises that a single meal contain no more than 10 grams of added sugar. Cutting back doesn’t have to happen overnight. Small, consistent changes can make a meaningful difference, so start with these strategies: • Rethink your beverages by swapping sugar-sweetened drinks for water, sparkling water, unsweetened tea and coffee served black or with minimal sweetener. • Choose whole, fresh fruit over fruit juice. • Build meals around whole foods , including vegetables, whole grains, lean proteins, healthy fats and whole fruits. • Reduce sweetness gradually to make it easier to adapt without feeling deprived. • Read nutrition labels carefully , checking both total sugars and added sugars. Reducing added sugar is not about eliminating all sweet foods or striving for perfection, but about awareness and balance. Occasional treats can fit into a healthy eating pattern, but daily habits matter most. Meal planning, mindful grocery shopping and paying attention to labels can help you stay within recommended limits. Over time, cutting back on added sugars may improve energy levels, weight management and overall health. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.
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