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Learn more about the IRS announcing HSA/HDHP limits for 2027 and the DOL civil penalty amounts unchanged for 2026. IRS ANNOUNCES HSA/HDHP LIMITS FOR 2027 On May 29, 2026, the IRS released the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2027. The IRS is required to publish these limits by June 1 of each year. These limits include the following: • The maximum HSA contribution limit • The minimum deductible amount for HDHPs • The maximum out-of-pocket expense limit for HDHPs These limits vary based on whether an individual has self-only or family coverage under an HDHP. Eligible individuals with self-only HDHP coverage will be able to contribute $4,500 to their HSAs in 2027, up from $4,400 in 2026. Eligible individuals with family HDHP coverage will be able to contribute $9,000 to their HSAs in 2027, up from $8,750 in 2026. Individuals aged 55 or older may make an additional $1,000 “catch-up” contribution to their HSAs. The minimum deductible amount for HDHPs increases to $1,750 for self-only coverage and $3,500 for family coverage for 2027 (up from $1,700 for self-only coverage and $3,400 for family coverage for 2026). The HDHP maximum out-of-pocket expense limit increases to $8,700 for self-only coverage and $17,400 for family coverage for 2027 (up from $8,500 for self-only coverage and $17,000 for family coverage for 2026). Employers sponsoring HDHPs should review their plans’ cost-sharing limits (i.e., the minimum deductible amount and maximum out-of-pocket expense limit) when preparing for the plan year beginning in 2027. Also, employers that allow employees to make pre-tax HSA contributions should update their plan communications with the increased contribution limits. DOL CIVIL PENALTY AMOUNTS UNCHANGED FOR 2026 The U.S. Department of Labor (DOL) has confirmed that it will make no adjustments to civil monetary penalties for 2026 and will continue to use the 2025 penalties as applicable. This applies to penalties that may be assessed on employers for violations of a wide range of federal laws, including the Employee Retirement Income Security Act (ERISA) and the Family and Medical Leave Act (FMLA). Federal law requires agencies to adjust their civil money penalties for inflation no later than Jan. 15 each year to maintain their effectiveness and deterrent effect. Last year, the DOL’s final rule on 2025 inflation-adjusted amounts was published on Jan. 10, 2025. The annual adjustment is based on Bureau of Labor Statistics (BLS) data from October of the prior year. However, due to the government shutdown, the BLS was unable to produce October 2025 data. As a result of this lack of data, and because the law does not provide an alternate method for calculating the adjustments, the 2026 adjustment is canceled entirely. Employers should continue to prioritize compliance with all applicable federal requirements, as the 2025 penalty amounts remain fully in effect for 2026. For example, the following key penalty amounts remain in effect: • Failure to provide a summary of benefits and coverage (SBC) for a health plan may result in a penalty of up to $1,443 per participant or beneficiary. • Failure to file an annual Form 5500 with the DOL can result in a penalty of up to $2,739 per day. • Employers that willfully violate the FMLA posting requirement may face a penalty of up to $216 for each separate offense. • Failure to provide the annual notice regarding Children’s Health Insurance Program (CHIP) coverage opportunities may result in a penalty of up to $145 per day (each employee is a separate violation). Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about exploring the great outdoors, when the best time to eat protein and your summer medicine cabinet checklist. EXPLORE THE GREAT OUTDOORS Spending even a few moments outside daily can significantly improve your physical health by reducing muscle tension, regulating sleep and improving your work performance. Experiencing the outdoors—specifically, green spaces—can also provide some mental health benefits, including reduced anxiety and depression symptoms, decreased stress levels and improved overall mood. The Environmental Protection Agency reports that the average American spends only 7% of their life outdoors, leaving 93% spent indoors. It may seem difficult to incorporate fresh air into your daily routine, so here are a few tips to spend more time in the great outdoors this summer: • Find time throughout the day to be outside. Try walking or doing a similar activity before or after your workday. Alternatively, enjoy lunch outside instead of eating at your desk during the workweek. If working remotely, you could join virtual meetings outside in a quiet place with little background noise or try “walking meetings” with teammates. Focus on finding small ways to incorporate fresh air each day. • Move your workout outside. If you usually run on the treadmill, consider jogging around your neighborhood instead. Additionally, doing bodyweight or free-weight exercises in your backyard or at a park can give you the same workout you get in the gym while letting you spend more time outside. • Focus on the quality—not quantity—of your time outdoors. While outside, try to really listen to and look at what’s around you. Are there birds chirping? What color are the flowers? An intentional presence outdoors can help you feel more connected to nature and increase the benefits you receive from the fresh air. • Find someone to explore with. It can be much easier to start a new habit when you have someone to do it with. As such, consider getting together with a partner or a group of friends to participate in outdoor activities. • Bring nature indoors. Even when you can’t get outside for very long, you can still bring in little pieces of the outdoors. Consider purchasing a few houseplants to place around your home or starting an indoor herb garden. Spending time outdoors can improve your physical and mental health, so take advantage of the longer summer days and get outside. WHEN'S THE BEST TIME TO EAT PROTEIN? Protein is important for overall health. Health experts note that there isn’t one perfect time of day to eat protein. What matters most is how evenly you include it throughout the day. Instead of saving most of your protein for dinner, spreading it across meals and snacks allows your body to use it more efficiently for energy, fullness and muscle repair. The 2025-2030 Dietary Guidelines for Americans prioritize protein at every meal, aiming for 1.2 to 1.6 grams per kilogram of body weight daily. Eating protein at different times of the day has certain advantages. For example, protein in the morning after an overnight fast supports steady energy, sharper focus and improved appetite control, which may reduce overeating later in the day. Adding protein to snacks also plays a key role, helping stabilize blood sugar and prevent afternoon energy crashes. Similarly, protein is useful after workouts, as it helps muscles recover and grow stronger. Dinner protein remains important, but loading most of the day's intake into a single meal isn't ideal, since the body can only use so much at once. Most people don't need excessive protein supplements, as regular meals often provide enough. In the end, a practical approach is to include protein at every meal, aim for moderate portions, and balance it with carbohydrates and healthy fats. Consistency delivers the biggest benefits. SUMMER MEDICINE CABINET CHECKLIST Summer brings more time outdoors, and with it, a higher chance of sunburns, bug bites, minor injuries, allergies, and heat-related issues. Medications can also lose effectiveness or even become unsafe after expiration, and heat and humidity can further degrade products that are already past their prime. When summer ailments or accidents strike, you want relief that works quickly and safely. The average American opens their medicine cabinet 468 times each year. However, nearly 3 in 4 people admit they often forget to replace their expired products. A cabinet check today ensures you're prepared for common summer needs without last-minute store runs. Consider these 10 summer essentials: Pain reliever and fever reducer Antihistamines, nasal spray and eye drops Hydrocortisone cream for rashes and bug bites Broad-spectrum sunscreen Aloe vera or after-sun gel Insect repellent Oral rehydration packets or electrolyte drinks Bandages and basic first-aid supplies Antibiotic ointment for minor cuts Instant cold packs Refreshing your medicine cabinet is a small task that can make a big difference, allowing more time for fun in the sun. Make a habit to check expiration dates every six months so you're always prepared. 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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