| News from Washington |
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| CMS Finalizes Updates to the Medicare Prescription Creditable Coverage Methodology Determination In April 2025, the Centers for Medicare and Medicaid Services issued multiple pieces of guidance related to Medicare Part D prescription drug coverage, including the Final CY 2026 Part D Redesign Program Instructions. The instructions specifically address the methodology that plan sponsors may use to determine whether the prescription drug coverage offered through their group health plan provides “creditable coverage.” Read More |
| HSA Studies & Analysis |
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| Employees Call for Greater Access to HSAs According to HSA Bank’s 2025 Health & Wealth Index, just 10% of employees funded a Health Savings Account or invested their HSA funds. Just 25% of employees strongly agree their employer provides education and resources that enable them to invest in their HSA. The numbers present an opportunity for plan sponsors and retirement plan advisors to offer education and accessibility on the product. Read More |
| Are Health Savings Accounts a Superior Financial Opportunity for Women Than Men? Do Health Savings Accounts deliver special benefits to one sex and not to the other? No. But factors beyond the design of the accounts make them a particularly attractive option for women. Here are some reasons why Health Savings Accounts are a must-have in most women’s financial portfolio. Read More |
| Compliance Corner |
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| Your Plan’s Deductible Is Suddenly Too Low. Does the New Statutory Minimum Affect You? The IRS updates the statutory minimum annual deductible (and out-of-pocket maximum) annually for inflation. Because it would be too disruptive and confusing to adjust the deductible mid-year, the IRS has determined that the new figures don’t go into effect until the renewal date in the year in which the figures apply. Read More |
| Plan Ahead for Expanded Breast Cancer Screening Coverage Employers need to prepare now for expanded breast cancer screening in 2026. Some employer plans, including HSA-qualified plans, may already be covering breast cancer screening beyond mammograms as preventive care, free of cost-sharing as a result of IRS Notice 2024-75. Employers that chose not to expand pre-deductible coverage to additional types of breast cancer imaging in the 2025 plan will have to in the 2026 plan. Read More |
| HSA Industry News |
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| Inspira’s Integrated Vision: How Retirement and Health Solutions Are Converging Fresh off their Las Vegas appearances at the 2025 NAPA 401(k) Summit and the PSCA National Conferences, Inspira Financial’s Pete Welsh and Jeff Thoms join us to talk about what they’re seeing in the evolving financial wellness landscape and how Inspira is doubling down on integrated solutions for retirement and wealth and health and benefits. Read More |
| Market Trends |
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| Health Care Spending Reaches Two-Decade High Health care spending hit its highest level in two decades, with the exception of one year during the COVID-19 pandemic, a trend that could be due to growth in the share of Americans who are insured, according to a new report. The increase is notable because it marks the first time since the start of the pandemic that the growth in health care spending outpaced economic growth. Read More |
| Best Practices |
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| HR Leaders Can Navigate Rising Healthcare Costs With These Strategies As healthcare expenses continue to escalate, it’s imperative for HR leaders to proactively mitigate costs without compromising quality of care for their workforce. Rather than accepting rising costs as inevitable, you can take control of your company’s healthcare expenses through smart decision-making. The actions you take today will set the stage for stronger financial and operational resilience tomorrow. Read More |
| HSAs & Retirement |
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| 4 in 10 Unprepared for Retirement, Most Worry About Health Costs Four in 10 employees say they are not financially prepared to retire, and nearly two-thirds are concerned about current or future medical expenses, the latest Health & Wealth Index from HSA Bank found. Rising health care costs, financial uncertainty and evolving workplace expectations mean traditional benefits alone may not be enough. Read More |
| Maximizing Your HSA |
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| How to Invest With Your HSA More and more people are using HSAs to help save for future medical expenses or boost their retirement funds. These accounts come with many benefits, including the opportunity to invest and grow your funds tax-free. Here are tips for how to invest your HSA and some other things you should know about these increasingly popular savings vehicles. Read More |