Comply on the Fly

As Medicare Part D open enrollment approaches, employers should confirm whether their prescription drug coverage is creditable and ensure required notices are distributed on time. In this episode of Comply on the Fly, we review creditable coverage basics, CMS’ revised simplified method, and key reminders tied to the October 15 notice deadline.

In this episode of Comply on the Fly, Karen B. breaks down what to know about IRS Letter 226J, common reporting issues that can trigger penalties, and practical steps employers can take if a letter arrives.

Missed SAR deadlines can create unnecessary compliance exposure for employer-sponsored health and welfare plans. In this episode of Comply on the Fly, Karen B. explains how Summary Annual Report requirements connect to the Form 5500 process, why delivery timing matters, and what employers should keep in mind when sharing ERISA-required documents with plan participants.

PCORI fees are due July 31, and some plan sponsors may need to pay them directly. This episode covers who is responsible, which 2026 fee applies, how covered lives are calculated, and what to know before filing Form 720.

Annual health plan reporting deadlines can sneak up fast, especially when multiple filings, vendors, and government agencies are involved. In this episode of Comply on the Fly, Karen B. recaps the key annual reporting requirements plan sponsors need to track, from ACA reporting and CMS disclosures to RxDC, Form 5500, PCORI fees, and gag clause attestation. Tune in for a practical overview of what is due, when it is due, and where employers may need to coordinate more closely to stay on track.


Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.

Mid-year open enrollment can create unexpected HSA eligibility questions, especially when employees move from a traditional health plan to a high-deductible health plan. In this episode of Comply on the Fly, Karen breaks down a common HDHP enrollment dilemma: what happens when an employee wants to start contributing to an HSA, but their spouse is enrolled in a general purpose FSA.

If your organization offers an HDHP during a mid-year renewal, this episode is a helpful reminder that HSA eligibility is not always straightforward. Employers will hear practical guidance on how spouse FSAs or HRAs can create overlooked compliance issues, including restrictions on both employee and employer HSA contributions.

This quick episode can help benefits teams communicate more clearly during open enrollment and avoid surprises after employees make their plan elections.

CMS has issued new guidance that simplifies Medicare Part D creditable coverage disclosures for account based plans.

In this episode of Comply on the Fly, Karen Breitnauer breaks down what the 2027 changes mean for FSAs, HRAs, and ICHRAs and what plan sponsors need to do now to stay compliant as the simplified determination method also changes.

If you oversee benefits or support plan administration, this episode will help you understand what no longer applies, what still does, and where to focus now to avoid missed disclosures and compliance gaps heading into the next plan year.

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A new Wisconsin mandate is coming, and it will require plan sponsors to take a closer look at breast cancer screening coverage starting in 2027.

In this episode of Comply on the Fly, host Karen Breitnauer walks through 2025 Wisconsin Act 103, also known as Gail’s Law. Karen explains who the law applies to, when the requirements take effect, and what types of screenings must be covered. Understand the important statutory definitions, outlines how plan designs will need to evolve, and offers a clear bottom line for employers and plan administrators preparing for 2027.

If you sponsor a Wisconsin plan, this episode provides a practical overview of what is changing, why it matters, and where to focus now to stay compliant.

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In this episode of Comply on the Fly, Karen Breitnauer breaks down CHIPRA, Children's Health Insurance Program Reauthorization Act, and why it is often misunderstood. The conversation sets the foundation for understanding special enrollment rights tied to Medicaid and CHIP and what employers are responsible for communicating. If CHIPRA feels like a routine compliance task, this episode explains why it deserves more attention.

In this follow‑up episode of Comply on the Fly, host Karen Breitnauer continues the ongoing discussion around pharmacy benefit manager reform by breaking down the newly proposed settlement between Express Scripts and the Federal Trade Commission. After a month of rapid developments, this episode explains how alleged insulin price inflation led to federal action, what the FTC claims occurred within PBM rebate structures, and the significant changes Express Scripts has agreed to make.

Understand key elements of the agreement, and what is still under discussion. Hear what employers should watch as public comment continues, as the PBM landscape continues to shift, and as more changes could be coming next.