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Life Insurance

Predictive modeling supports faster life insurance underwriting, but insurers must manage fairness, governance, and compliance.

PCORI
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The IRS has increased the PCORI fee for plan years ending in 2025–2026.

Cost Management
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ICHRAs give employers a flexible, cost-controlled way to fund employee health insurance by reimbursing workers for individual plans they choose themselves.

Employee Benefits Compliance
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Health insurance carriers must distribute 2024 MLR rebates by September 30, 2025, and employers receiving them must carefully allocate employee contributions in compliance with ERISA and tax rules.

Employee Benefits Compliance
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San Francisco has released the Health Care Security Ordinance expenditure rates for 2026, requiring covered employers to increase per-hour health care spending.

Employee Benefits
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Conditions under which employer-sponsored health coverage extends beyond age 26 for disabled adult dependents.

Mental Health
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Although enforcement of the 2024 Mental Health Parity Final Rule is temporarily suspended, employers must continue to meet existing MHPAEA compliance requirements and prepare for future enforcement.

Life Insurance
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Explore how life insurance can enhance retirement planning by providing tax-efficient supplemental income, flexibility, and legacy planning opportunities.

Employee Benefits
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AlphaFold 2 is revolutionizing healthcare by accurately predicting protein structures, reshaping personalized medicine, and fundamentally transforming risk assessment in American.

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