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The Affordable Care Act requires Medical Loss Ratio rebates when health plans fall short of required minimum spending on care and activities to improve the quality of care. Get details on 2024 rebates due in September in Paul Roberts’s new column.

California’s infertility and IVF mandate for fully insured plans just got a last-minute extension to January 1, 2026. The Legislature approved the change via a late-June budget trailer bill. Here’s what benefits professionals need to know about the delay — and what hasn’t changed.

Medicare Part D creditable coverage notices are due October 14, 2025. IRA changes and a new CMS test impact employer plans. Fully insured carriers handle statuses, but self-funded and level-funded employers must confirm theirs. Resources are available to assist fully-insured clients.