Comply on the Fly

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. ____________________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.

4/7/26 • 03:26

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.

3/24/26 • 03:45

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.

3/10/26 • 03:30

What if the entire PBM landscape shifted before your next renewal, and you didn’t see it coming?In this episode of Comply on the Fly, Karen B. breaks down a whirlwind month of PBM activity and what employers should be watching now. From new transparency proposals to fresh statutory requirements, this episode gives listeners the essential signals without the noise—perfect for busy HR and benefits professionals who need to stay sharp in a fast-changing space.Tune in and stay ahead of the next wave of PBM changes.  ____________________ 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.

2/24/26 • 05:09

A key HIPAA compliance deadline is coming: self-funded plan sponsors must update their Notice of Privacy Practices by February 16, 2026. In this episode of Comply on the Fly, understand what that deadline means for employers who sponsor self-funded health plans, including self-funded medical or dental plans, HRAs and ICHRAs, and medical FSAs. Karen breaks down when employers are responsible for providing a Notice of Privacy Practices, how often it must be distributed, and what new disclosures are required under updated 42 CFR Part 2 rules related to substance use disorder records.Understand what’s changing, where compliance gaps often exist, and how to update notices before the deadline—without unnecessary complexity. 

2/10/26 • 04:03

Ever have employees come to you in January already regretting their benefit elections? In this episode of Comply on the Fly, Karen breaks down the very real phenomenon of benefits buyer’s remorse—when employees realize that low premiums can mean higher out-of-pocket costs and suddenly want a do-over. From Section 125 qualifying events (and what doesn’t count) to mid-year plan changes, self-funded vs. fully insured flexibility, and why “I don’t like this plan” isn’t a compliance strategy, this episode explains what employers can—and can’t—do once coverage is in effect. A timely reminder that strong open enrollment education can prevent a lot of January regret.____________________ 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.

1/27/26 • 04:31

ACA reporting hasn’t gotten simpler—it’s gotten quieter and more nuanced. Between changes to how 1095-Cs are distributed, increased reliance on accurate measurement methods, and growing complexity in hybrid plan designs, small missteps now carry bigger consequences. This latest Comply on the Fly episode focuses on the judgment calls employers are actually making in 2025—not just the deadlines—so you can avoid avoidable errors and reduce last-minute stress.Karen also unpacks one of the most misunderstood updates: the shift away from automatically distributing 1095-Cs—and what “clear, conspicuous, and accessible” really means when employees request their forms.If ACA reporting feels more complex each year, this episode explains why—and how a proactive approach throughout the year can make compliance far less painful when deadlines hit.____________________ 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.

1/13/26 • 03:39

Since Minnesota first announced its Paid Leave program, Comply on the Fly has been sharing resources to help employers prepare. In this episode, Karen B and Compliance Attorney Alex O’Connor tackle the most common questions coming in as we approach the 2026 go-live date.They cover how PTO, vacation, sick leave, and short-term disability interact with the new benefits, what employers need to know about “topping off,” private plan exception timelines, required notices, and how Minnesota Paid Leave coordinates with FMLA.If you’re looking for quick, practical answers and clarity on what’s surfaced most often so far, this episode is a must-listen.

11/20/25 • 04:36

In this episode of Comply on the Fly, host Karen B. breaks down the annual Gag Clause Attestation requirement due by December 31 and the latest guidance from federal departments. Understand how new FAQs clarify what counts as a prohibited gag clause—from downstream agreements and discretionary disclosures to limits on data access—and what plan sponsors should do if such clauses exist in their contracts. Tune in for a concise, practical overview to help your organization stay compliant and avoid enforcement risks. ____________________ 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.

11/4/25 • 03:38

The IRS has announced new FSA contribution limits for 2026, and they’re climbing again. In COTF episode, host Karen Breitnauer walks through what’s changing, including updates to the health FSA contribution cap, reminders on dependent care FSAs, and what employers should do next. Staying current on these annual limits helps ensure your organization’s benefit offerings remain both compliant and compelling heading into 2026.

10/21/25 • 02:43

In this episode of Comply on the Fly, host Karen Breithnauer shares key reminders for employers during open enrollment, including required notices like HIPAA, CHIPRA, and Medicare Part D. It’s a quick, must-listen for HR professionals, benefits administrators, and compliance leads looking to avoid costly oversights. In under five minutes, Karen breaks down the most important federal compliance tasks into a clear checklist, complete with practical timing reminders and updates to affordability thresholds.   ____________________ 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.

10/7/25 • 03:38

Minnesota’s new paid family and medical leave law takes effect January 1, 2026. If you have employees in the state, you’ll need to act. This COTF episode features M3’s Alex O’Connor, to  break down what employers need to know: compliance options, premium costs, deadlines, and how to prepare your team.   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.

9/23/25 • 04:20

In this episode of Comply on the Fly, host Karen B. dives into an annual compliance requirement: Medicare Part D creditable coverage notices. Employers that sponsor health plans must tell Medicare eligible participants whether their prescription drug coverage is creditable, meaning it is as good as or better than Medicare Part D. This notice helps participants avoid late enrollment penalties and must be provided each year by October 15. _____________________________________________________________________ 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.

9/9/25 • 04:24

Did you catch the update? HHS (the U.S. Department of Health and Human Services) raised the 2026 ACA out-of-pocket maximums. What does that mean for your group health plan, and your employees? Comply on the Fly has the quick compliance insight you need to stay ahead of 2026 requirements.

8/26/25 • 02:14

Big changes are coming for employers in 2026. In this episode, Karen breaks down the latest update to Affordable Care Act (ACA) rules, including the new IRS affordability percentage that could impact your health plan strategy. If you're an applicable large employer with 50 or more full-time employees, this matters. Falling short of affordability requirements could lead to significant penalties per employee. Learn what the new percentage means, how to apply safe harbors, and what steps to take now to stay compliant and avoid costly consequences. Tune in and get ahead of the changes. _____________________________________________________________________ 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.

8/12/25 • 05:17

On this episode of Comply on the Fly, host Karen B unpacks the employee benefits provisions in the newly signed “One Big Beautiful Bill Act” (OBBBA), a sweeping piece of legislation with implications for health savings accounts (HSAs), dependent care FSAs, and Marketplace plan eligibility. The OBBBA revives and expands key benefits provisions that had expired or been under debate, including first dollar coverage for telehealth, the integration of Direct Primary Care (DPC) arrangements with HSA eligibility, and changes to Marketplace HDHP rules. It also raises the contribution cap for dependent care FSAs starting in 2026. If you sponsor high-deductible health plans, offer telehealth or direct primary care options, or administer dependent care FSAs, this episode is a must-listen for understanding how the OBBBA could impact your benefit offerings. 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.

7/29/25 • 04:34

On this episode of Comply on the Fly, host Karen B breaks down the 2025 PCORI (Patient Centered Outcomes Research Institute) fees—what they are, who owes them, and how to pay. While fully insured employers may be off the hook, those with HRAs and other self-funded plans should take note.   Karen explains how the fees apply based on plan type and coverage year and details the updated per-covered-life amounts for plans ending in 2024. She also outlines the acceptable methods for calculating covered lives and walks through the process of filing the IRS Form 720, including important dates and notices.   If you are sponsoring a self-insured or HRA-integrated plan, this episode offers a practical and timely guide to filing your PCORI correctly. _______________________________________________________________ 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.

6/3/25 • 05:42

On this episode of Comply on the Fly, host Karen B covers the core compliance considerations for employers moving from a fully insured to a self-funded health plan. While self-funding can offer greater cost control, it also brings added compliance responsibilities. Karen walks through high-level obligations under ERISA, HIPAA, and the ACA—such as the need for updated plan documentation, direct handling of PHI, and obligations like PCORI fee payments and 1095-C reporting. She also touches on new transparency requirements, including prescription drug data reporting and gag clause attestations. If you're exploring or implementing self-funding, this episode offers a helpful compliance overview to keep you 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.

5/6/25 • 03:45

On this episode of Comply on the Fly, host Karen B unpacks the ins and outs of employer contributions to Health Savings Accounts (HSAs)—a benefit that can offer significant value to both employees and organizations. She breaks down what makes an employee eligible to receive HSA contributions, what employers are (and aren’t) responsible for verifying, and how timing and contribution limits can affect both compliance and employee tax liability. Whether you're already offering HSA contributions or just exploring the option, this quick episode is packed with practical tips and compliance clarity. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _________________________________________________________________ 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.

4/22/25 • 03:57

In this episode of Comply on the Fly, host Karen B tackles a common employer question: Can we pay for an employee’s Medicare or Medicare supplement premiums? The short answer? No. Doing so would violate Medicare Secondary Payer (MSP) rules, which prevent employers from incentivizing employees to switch from their group health plan to Medicare. Understand the key MSP restrictions, the rare exceptions, and what employers can do. If you're an employer navigating Medicare eligibility in the workplace, this episode delivers the critical do’s and don’ts, saving you from costly compliance missteps. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

2/25/25 • 03:14

In this episode of Comply on the Fly, Karen dives into the timely topic of ACA affordability and why employers should prioritize analyzing their coverage offers early. With 2024 reporting season upon us, Karen breaks down how to calculate affordability using federal poverty levels or wages, offering real-world examples to guide decisions. Learn how to ensure compliance and avoid unnecessary expenses while making informed decisions that support your employees’ well-being and your bottom line. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

2/11/25 • 05:25

Keeping your business compliant with ERISA requirements isn’t just about checking a box—it’s about safeguarding your employees and your organization from unnecessary risks. In this episode of Comply on the Fly, we dive into a critical topic every employer needs to know: Form 5500 filing for health and welfare benefit plans under ERISA. If your plans have over 100 participants, this requirement is non-negotiable. Tune in as we break down what it means, what’s required, and how to stay ahead of compliance deadlines. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

1/28/25 • 06:23

Two recently signed bills are bringing much-needed relief for employers navigating ACA reporting. In this episode of Comply on the Fly, Karen B breaks down the latest updates that simplify compliance and reduce administrative headaches. Learn how the new laws provide more flexibility in distributing 1095-B and 1095-C forms and extend deadlines for responding to penalty letters. These changes could save you time, help you avoid penalties, and make staying compliant easier than ever. Tune in to discover how these updates can streamline your ACA reporting process! Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

1/14/25 • 04:12

As 2024 winds down, this episode of Comply on the Fly helps you gear up for 2025. Host Karen recaps the year's key compliance highlights and previews what lies ahead, including potential last-minute regulatory shifts with a new administration taking office. Explore critical topics like mental health parity requirements, important deadlines for self-funded health plans, and legislative updates on ACA 1095 forms. Stay informed and prepared for the compliance challenges of the new year!    Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.   _____________________________________________________________________  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. 

12/17/24 • 04:01

Open enrollment may be wrapping up, but the questions are coming in. In this episode of Comply on the Fly, Karen B breaks down essential post-enrollment tips, including aligning administrative periods, navigating Section 125 rules, and handling pre-tax election changes. Tune in for practical advice to help you avoid compliance pitfalls and keep your benefits administration running smoothly.   Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

12/3/24 • 04:04

Recent IRS updates have impacted 2025 contribution limits for flexible spending and transportation benefits. In this episode of Comply on the Fly, host Karen B breaks down these updates, new eligible expenses, and expanded preventive care options—all of which affect plan design and employee communications. Listen in to make informed decisions on plan adjustments, ensuring compliance and optimizing benefits for your employees. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

11/5/24 • 03:34

In this episode of "Comply on the Fly," Karen B breaks down the critical topic of mental health parity and the comparative analysis requirement under the Mental Health Parity and Addiction Equity Act (MHPAEA). Learn how this regulation guarantees equal treatment for mental health benefits and what steps employers must take to remain compliant and avoid penalties. With new rules kicking in for 2025, tune in for the essential guidance you need to stay ahead. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

10/22/24 • 05:31

In this episode of Comply on the Fly, Karen B covers the newly released ACA affordability percentage for 2025, which has increased to 9.02%. Learn what this change means for large employers and how to ensure your health coverage remains affordable under the ACA’s shared responsibility provisions. Karen breaks down the key safe harbor methods—federal poverty level, rate of pay, and W-2 wages—making it easy to understand how to avoid penalties in 2025. Don’t miss this quick, insightful breakdown! Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

10/8/24 • 04:38

This episode of Comply on the Fly dives into an important, timely issue: Medicare Part D’s creditable coverage notices and the significant updates for employers this year. Karen B breaks down how to determine if your drug plan meets Medicare Part D standards and explains the compliance impacts of the 2022 Inflation Reduction Act. She also covers key deadlines, creditability assessment methods, and practical tips to ensure your Medicare-eligible employees receive the proper notices. Tune in for a clear guide to help you stay compliant this Medicare season. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

9/24/24 • 04:11

Dive into the essentials of Section 125 plans, also known as cafeteria plans, and why having a written plan document isn’t just a formality—it’s a must. COTF’s Karen B breaks down the key components employers need to include, from benefit options and participation guidelines to mid-year qualifying events. Understand the critical need to have the plan document in place before the new plan year begins, ensuring it stays IRS-compliant to safeguard those valuable tax advantages for both employers and employees. Whether you’re offering health premiums, flexible spending accounts, or dependent care programs, this episode equips you with everything you need to keep your Section 125 plan running smoothly.   Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.  _____________________________________________________________________ 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.

9/10/24 • 03:54