High Deductible Health Plans (HDHPs) paired with Health Savings Accounts (HSAs) remain a cornerstone of modern benefits strategy. When executed correctly, they offer a powerful “triple tax advantage” for employees and lower premiums for employers. However, the federal rules governing these accounts are strict.
As we move into the 2026 plan year—and navigate new permanent changes brought on by the One Big Beautiful Bill Act (OBBBA)—it is critical for employers to audit their compliance to avoid costly excise taxes and employee relations issues.
Verify Your HDHP Status (2026 Limits)
To be HSA-eligible, a health plan must meet specific IRS definitions for “High Deductible.” For plan years beginning in 2026, ensure your plan design matches these updated thresholds:
Crucial Check: If your family plan uses “embedded” deductibles, the individual deductible within the family plan cannot be lower than the family minimum of $3,400.
Prevent FSA/HRA Disqualification Issues
An employee is generally ineligible to contribute to an HSA if they are covered by a general-purpose Flexible Spending Account (FSA) or Health Reimbursement Arrangement (HRA).
The Grace Period Risk: If an employee has a remaining balance in a general-purpose FSA with a grace period, they cannot contribute to an HSA until the grace period ends.
The Carryover Solution: To preserve HSA eligibility, employers should allow employees to either waive their FSA carryover or transition those funds into an “HSA-compatible” (Limited Purpose) FSA.
Master the 2026 Contribution Limits
While employees are responsible for their own tax filings, employers play a vital role in preventing “excess contributions” through payroll.
Age 55+: Catch-up contributions remain a vital tool but require careful tracking.
Correction Window: If a mistake is made, employees must distribute the excess funds by April 15 of the following year to avoid a cumulative 6% excise tax.
Special Alert: Medicare and Age 65
Medicare eligibility is a common source of HSA compliance errors. Once an individual enrolls in any part of Medicare, they can no longer contribute to an HSA.
The Retroactive Rule: If an employee applies for Medicare more than six months after turning 65, their coverage (and HSA ineligibility) may be backdated up to six months.
Employer Action: Inform employees approaching age 65 to plan their “contribution stop date” carefully to avoid unintended tax penalties.
Leverage Permanent Telehealth Flexibility
Because of the OBBBA (Notice 2026-5), the temporary “safe harbor” for telehealth has been made permanent. HDHPs can now provide first-dollar coverage for telehealth and remote care services before the deductible is met without disqualifying the HSA.
Why this matters: Incorporating pre-deductible telehealth reduces time away from work, increases productivity, and lowers overall claims costs by catching minor issues before they require an ER visit.
Work and family are two of the most important parts of an employee’s life. But starting or growing a family doesn’t always happen easily. According to the World Health Organization, about one in six people experience fertility challenges, making the path to parenthood stressful, complex and often expensive. Not surprisingly, these challenges can spill over into the workplace. Research shows that many employees spend time during work hours exploring treatment options and benefits, and more than half report that fertility struggles have negatively affected their job performance.
Fertility-related stress is a key driver of presenteeism—when employees are physically at work but less productive due to personal concerns. This not only affects morale and engagement but also carries a significant financial cost. Estimates suggest presenteeism costs U.S. businesses far more than absenteeism each year. Employers that offer fertility benefits often see higher engagement, improved productivity and stronger long-term retention.
Understanding Infertility
Infertility has been classified as a disease since 2017 and is generally defined as the inability to conceive after a year of trying without contraception. It affects both men and women and is often difficult to detect because symptoms aren’t always obvious.
Primary vs. Secondary: Whether an employee is trying for their first child or adding to their family, also known as secondary infertility, the stress remains the same.
Medical Drivers: Common reasons for seeking care include ovulation disorders, uterine fibroids, endometriosis, genetic screening, and fertility preservation, such as before chemotherapy.
Because these conditions affect employees throughout various life stages, employers who offer fertility coverage can appeal to a wide demographic and enhance retention across their workforce.
The Financial Reality of Care
The “financial toxicity” of infertility is a major stressor for the workforce:
Price Tag: A single IVF cycle can exceed $30,000, yet only 32% of individuals can afford treatment without assistance. Multiple cycles are often required to achieve pregnancy.
Debt & Sacrifice: To afford care, employees often go into significant debt, dip into retirement savings, or take second jobs—all of which fuel workplace burnout and distraction.
Common Benefit Offerings
Employers can leverage several strategies to support their team, depending on budget and goals:
Clinical Procedures: Covering IVF, such as egg retrieval and transfer, or IUI, also known as artificial insemination.
Surgical Interventions: Procedures to resolve physical barriers like cysts or fallopian tube issues.
Pharmaceutical Support: Medications to stimulate ovulation or improve counts.
Navigation & Coaching: Providing access to specialized platforms to help employees find high-quality, cost-effective care.
Why Fertility Benefits Matter
Because most states do not mandate fertility coverage for private insurers, employer-sponsored fertility benefits can make a meaningful difference. They reduce financial stress and promote emotional well-being.
Fertility challenges can take a toll on employees’ emotional well-being, finances and job performance. By offering meaningful fertility benefits, employers can reduce these burdens while improving productivity, engagement and satisfaction. At the same time, these benefits help organizations stand out in a competitive labor market, supporting both talent attraction and long-term retention.
In the world of employee benefits, we often spend our time talking about what happens when things go wrong—surgeries, emergency room visits, and specialist consultations. Today, the most successful organizations are shifting the conversation toward what happens when things go right.
Teaching your employees about preventive care is more than just a wellness initiative; it is a strategic financial move. By encouraging your team to use the “maintenance” features of their health plans, you reduce long-term claims, decrease absenteeism, and—most importantly—keep your people healthy.
Why Education Matters (The “Why”)
Many employees avoid the doctor because they fear the cost. They don’t realize that under most modern health plans, preventive services are covered at 100%, with no deductible or copay required.
When employees understand this “first-dollar coverage,” they stop waiting for symptoms to appear and start catching issues while they are small, manageable, and inexpensive. A $0 annual checkup can catch high blood pressure before it becomes a $50,000 heart attack. Education is the bridge between having a benefit and actually using it.
Types of Preventive Care: What’s Included?
When educating your staff, it helps to categorize preventive care into “The Big Three.” Most of these services are available at no additional cost to the employee:
1. Screenings & Physicals
Annual Wellness Exams: A comprehensive check-in to monitor vitals and establish a health baseline.
Cancer Screenings: Age-appropriate screenings such as mammograms, colonoscopies, and pap smears.
Biometric Screenings: Checks for cholesterol, blood sugar (diabetes), and blood pressure.
2. Immunizations & Medications
Routine Vaccines: Coverage for the flu shot, Tetanus, Shingles, and COVID-19 boosters.
Preventive Medications: Many plans cover certain “preventive” drugs (like statins or low-dose aspirin) at a lower cost or even $0 to manage chronic conditions before they escalate.
3. Family & Mental Well-being
Pediatric Care: Well-child visits and standard childhood immunizations.
Prenatal Care: Routine checkups for expecting mothers to ensure a healthy pregnancy.
Mental Health Screenings: Depression and anxiety screenings are increasingly recognized as essential preventive care in 2026.
How to Encourage Utilization
Knowing isn’t the same as doing. Here is how employers can drive action:
Remove the Time Barrier: Offer “Wellness Hours”—a few hours of paid time off specifically for employees to attend their annual physicals or screenings.
Simplify the Search: Provide a direct link to your carrier’s “Find a Doctor” tool, specifically filtered for primary care physicians.
Incentivize the Checkup: Some companies offer a small HSA contribution or a premium discount for employees who complete an annual biometric screening.
Use Real-World Messaging: Instead of a complex brochure, send a quick email: “Did you know your annual flu shot and physical are $0? Here is where you can go locally to get them done.”
A “health literate” workforce is a more resilient workforce. When employees understand that preventive care is a free tool designed to keep them out of the hospital, everyone wins. You aren’t just managing a plan; you’re fostering a culture where health is a priority, not a reaction.
A new study published in BMJ Heart, a leading journal for cardiovascular advances, has found a powerful connection between your walking speed and your heart rhythm. According to the research, people who maintain an average or brisk walking pace have a 35% to 43% lower risk of developing heart rhythm abnormalities compared to those who walk at a slower speed.
What the Research Says
The study defines a “slow” pace as less than 3 mph, while a “brisk” pace is considered more than 4 mph. Higher walking speeds were specifically linked to a reduced risk of atrial fibrillation and other types of cardiac arrhythmia.
The Full-Body Benefits of Walking
This study reinforces what health experts have long advocated: walking is one of the most effective and accessible forms of exercise. Beyond protecting your heart rhythm, a regular walking routine can:
Boost your mood and mental clarity.
Improve cholesterol levels and reduce blood pressure.
Strengthen muscles and increase bone mass.
Provide low-impact support for your joints.
Simple Ways to Start
Walking is a “no-cost, no-equipment” workout that fits easily into any lifestyle. You can start small by choosing to walk to local destinations instead of driving or setting a modest daily step goal. To keep things interesting, find a scenic path you enjoy or use your favorite music and podcasts as motivation.
Before starting a new physical activity routine, it is always a good idea to talk with your primary care provider to determine the pace and plan that works best for you.
The Longest Season: Navigating Spring Allergies
As the weather warms up, millions of people are feeling the familiar sting of spring allergies. If it feels like the season is getting longer and more intense, you aren’t imagining it. According to the CDC, more than 1 in 3 adults and 1 in 4 children now suffer from seasonal allergies.
Why Are Allergies Getting Worse?
Research from Climate Central shows that the U.S. pollen season is now roughly three weeks longer than it was 50 years ago. Warmer temperatures create a longer growing season, which allows plants to produce significantly more pollen.
Spring: Primarily tree pollen (the most common trigger).
Early Summer: Grass pollen typically peaks in June and July.
Late Summer/Fall: Ragweed begins blooming as early as August.
Proactive Steps to Find Relief
While we can’t control the climate, we can control our environment. Health experts recommend these strategies to keep the pollen at bay:
Seal Your Home: Keep doors and windows closed during high-pollen days.
Upgrade Your Air: Use HEPA filters in your HVAC system to trap fine particles.
The “Outdoor Reset”: Pollen clings to hair, skin, and clothes. Wash your hands frequently and shower immediately after spending time outside.
Monitor the Counts: Check local pollen and mold forecasts daily to plan your outdoor activities when levels are lower.
“HR is for big companies. We’re only 12 people.” It’s a common refrain and an expensive one. Compliance obligations don’t wait until you hit 50, 100, or 500 employees. Many apply from employee #1, and others kick in far earlier than most small businesses expect. The result? Well-meaning teams make ad-hoc decisions, managers wing it, and risk piles up quietly until a complaint, audit, or lawsuit makes it very loud.
Good news: “having HR” doesn’t have to mean building a department. It means putting simple, repeatable practices in place so you hire, pay, schedule, and train employees in a consistent, compliant way.
Myth vs. Reality
Myth: HR only matters once we’re big. Reality: Core requirements start immediately and expand as you grow.
Applies at (nearly) any size:
Form I-9 verification
Wage-and-hour rules (timekeeping, overtime, breaks, final pay timing)
Safety obligations and incident reporting basics
New-hire reporting
Required workplace posters
Kick in earlier than you think:
Paid sick leave in almost half of states and many cities
State family and medical leave protections
Protections against discrimination at the state and federal level
Pay equity and transparency rules in many states and cities
Harassment-prevention training (mandated in several states)
You don’t need to memorize every line of the law. You do need a system that keeps you on the rails.
The Hidden Costs of “We’ll Figure It Out”
Wage and hour drift
Inconsistent timekeeping, off-the-clock work, misclassification, and haphazard compensation decisions can lead to lawsuits galore, which often include back pay, penalties, and attorney fees.
Policy whiplash
Without an up-to-date handbook, managers may be unaware of employee entitlements and set their own rules. That is terrible for both fairness and defensibility.
Documentation deserts
If you can’t show which policy applied, what training people took, or how a decision was made, you’re exposed.
Leave confusion
Sick time, voting leave, organ donation, school activities, victim leave, baby bonding, disability. Small missteps snowball when no one knows the script.
Manager guesswork
Most frontline leaders aren’t lawyers or HR experts. They want step-by-step instructions and simple answers, not internet rabbit holes.
What “HR” Looks Like for a Small Business, No Department Required
Pay right: accurate timekeeping, overtime rules followed, pay stubs and final pay on time, and salaries consistent between employees doing similar work.
Set expectations: a clear, current handbook and employee acknowledgments.
Train the team: short, role-based courses (e.g., harassment prevention, manager basics) with tracking.
Handle leaves and schedules: simple request and approval steps and manager guidance.
Close the loop: document decisions, keep records, refresh policies as laws change.
Tap into expertise: access trusted HR and compliance resources, such as Mineral Experts™, for timely, practical advice when questions arise.
Do these well and you’ve got “HR,” even if HR is a hat someone wears part-time.
3 HR Quick Wins You Can Check Off This Month
Publish (or refresh) your handbook. Create a document that matches your locations and capture acknowledgments.
Make sure everyone is on the same page with timekeeping. Refresh all employees on your policies around clocking in and out, logging breaks and lunches, recording time worked outside of the workplace, and how and when they should turn in their timesheets. (And make sure your handbook has this great information, too!)
Check up on your leave processes. If your current system feels haphazard, simplify by creating one place to request time off, one way to document it, and one place to view balances.
The Bottom Line
Being “too small for HR” isn’t lean, it’s risky. Compliance applies whether you have 5 employees or 5,000. Put simple, repeatable practices in place, give managers clear answers, and keep policies current. That’s HR, sized for you.
