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      <image:title>Blog - 2027 Employee Benefits Update: What's New (Not the Usual Open Enrollment Checklist) - The IRS and HHS have finalized next year's numbers, and a few federal provisions have shifted in ways that are actually worth knowing before your renewal conversations start. This isn't the standard "get ready for open enrollment" reminder — it's what's genuinely new for 2027.</image:title>
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      <image:title>Blog - IRS Resumes 226-J Enforcement: What 0Employers Need to Know for 2024 - If your organization offers group health coverage and you've received an IRS Letter 226-J, you're not alone — and it doesn't automatically mean you owe a penalty.</image:title>
      <image:caption>Letter 226-J proposes what the IRS calls an Employer Shared Responsibility Payment, or ESRP — better known as the ACA "pay or play" penalty. It's based on the IRS's review of your Forms 1094-C and 1095-C. Sometimes the proposed penalty is accurate. Just as often, it stems from a filing error — and a timely, well-documented response can reduce or eliminate it entirely.</image:caption>
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      <image:title>Blog - Beyond the Pharmacy Benefit - Every year, I sit across the table from CFOs and HR leaders who brace themselves for one number: the premium increase. But after 35+ years doing this work, I can tell you the real opportunity isn't there — it's inside the pharmacy benefit, a part of the plan most employers leave on autopilot.</image:title>
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      <image:title>Blog - What HR Leaders Should Know About Medicare's Evolving Coverage of GLP-1 Medications - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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