February is American Heart Month, a time to raise awareness about cardiovascular health and how to keep your heart in top condition. Are you taking steps to protect your heart? You can actively reduce your risk for heart disease by adopting a healthy diet, staying physically active, and managing your cholesterol and blood pressure.
Heart disease is responsible for nearly one-third of all deaths worldwide. Experts and research consistently emphasize exercise as a key factor in maintaining heart health, but diet also plays a major role in lowering the risk of heart disease. A balanced diet, mindful portion sizes, and enjoying the foods you eat are essential to long-term success in heart health.
Let’s take a closer look at four key components of a heart-healthy diet and how you can incorporate them into your daily routine:
1. Fruits and Vegetables
Leafy greens are packed with vitamins, minerals, and antioxidants that support heart health. A review of eight studies found that eating more leafy greens was linked to up to a 16% reduction in heart disease risk.
2. Healthy Proteins:
Lean meats, poultry, fish, low-fat dairy, and eggs are excellent sources of protein. Legumes such as beans, peas, and lentils offer a low-fat, plant-based alternative. Replacing animal protein with plant-based options (like a black bean burger instead of a beef burger) helps reduce fat and cholesterol intake while increasing fiber.
3. Healthy Fats:
Not all fats are bad. Foods with monounsaturated and polyunsaturated fats are important for your brain and heart. Limit foods with trans-fats, which increase the risk for heart disease.
4. Whole Grains:
Whole grains are rich in fiber and essential nutrients that help manage blood pressure and support heart health.
Eating heart-healthy is a lifestyle choice—one that involves making nutritious, balanced food choices. What you eat affects nearly every aspect of heart health, including blood pressure, cholesterol, inflammation, and triglycerides. A well-balanced diet is key to maintaining a healthy heart and lowering the risk of heart disease. With a little planning and some simple substitutions, you can make heart-healthy choices a part of your daily life!
For employers subject to the Affordable Care Act (ACA), staying compliant with reporting requirements is non-negotiable. With 2025 due dates just around the corner, now is the time to prepare for distributing Forms 1095-C to employees and filing with the IRS. These forms provide essential information about health coverage offered to employees and are critical for demonstrating compliance with the ACA’s employer mandate. Missing these deadlines can lead to potential costly penalties and compliance headaches.
Key ACA Reporting Deadlines for 2025
Here are the critical dates you need to mark on your calendar for reporting on the 2024 tax year:
March 3, 2025:
Deadline for furnishing Form 1095-C to employees.
Employers must provide their employees with a copy of Form 1095-C, which details the health coverage offered, by this date.
February 28, 2025:
Deadline for paper filing with the IRS.
Employers filing fewer than 10 forms (aggregated with other forms, such as W-2, 1099) may submit paper forms to the IRS. Note: Paper filing is only an option for small employers below the e-filing threshold.
March 31, 2025:
Deadline for electronic filing with the IRS.
Employers submitting 10 or more forms are required to file electronically. The extra time provided for electronic filing gives employers a little breathing room, but it’s essential to plan ahead and avoid last-minute delays.
Penalties for Missing ACA Reporting Deadlines
Failing to meet ACA reporting deadlines can result in hefty penalties:
Late Furnishing to Employees:
Employers can be fined up to $310 per form for not providing Form 1095-C to employees by March 3, 2025.
Late Filing with the IRS:
Penalties start at $60 per form for filing within 30 days of the deadline but can escalate to $310 per form for longer delays.
Incorrect or Incomplete Information:
Filing forms with incorrect data, such as employee names or Social Security Numbers, can lead to additional penalties.
Intentional Disregard:
If the IRS determines that an employer intentionally ignored filing requirements, penalties can skyrocket to $630 per form with no annual cap.
Checklist to Stay on Track for ACA Reporting in 2025
Use this checklist to ensure timely and accurate submissions:
Verify Employee Data:
Review employee names, SSNs, and coverage details for accuracy.
Select Your Filing Method:
Determine whether you’ll file on paper (if eligible) or electronically. Ensure you have the necessary software for electronic submissions.
Monitor Deadlines:
Set reminders for March 3(employee furnishing), February 28 (paper filing), and March 31 (electronic filing).
Test Your Process:
If filing on your own, conduct a test submission through the IRS AIR system to identify potential errors before the official filing.
Leverage Technology:
Use an ACA compliance software solution to automate form generation, validation, and submission.
Train Your Team:
Ensure HR, payroll, and benefits teams understand the reporting requirements and deadlines.
Work with Experts:
Consider outsourcing ACA compliance to a trusted vendor if your internal resources are limited.
Conclusion
ACA reporting doesn’t have to be overwhelming—preparation is key. By understanding the deadlines, filing methods, and potential pitfalls, employers can stay compliant and avoid penalties. With the reporting season fast approaching, now is the time to finalize your plans, gather your data, and ensure you’re ready to meet the 2025 deadlines.
As we begin 2025, most HR professionals are thinking: ‘What will the top HR trends be?’ At HR Exchange Network, we have you covered! The world of HR is entering a pivotal phase of transformation. Economic shifts, breakthroughs in technology and evolving workforce expectations are pushing HR leaders to rethink their strategies. These forces aren’t just reshaping how businesses operate – they’re redefining the very fabric of leadership, culture and employee engagement!
This article explores the most pressing HR trends for 2025, offering insights and forward-thinking strategies to help organizations stay ahead. Whether it’s harnessing the power of AI, fostering wellbeing, or reimagining hiring practices, these trends will shape the future of work and HR’s role in driving it forward.
1. Human-centric Leadership in a Digital Era
The emphasis on leadership development remains critical in 2025, but the focus has shifted toward “human-centric leadership.” This trend highlights the importance of empathy, emotional intelligence and adaptability in navigating an increasingly digital workplace. According to McLean & Company’s HR Trends Report 2025, organizations that prioritize leadership development are 2.3 times more likely to excel in adapting to new opportunities and 1.9 times more likely to meet strategic goals.
Leaders face the dual challenge of managing a hybrid workforce while maintaining employee engagement and productivity. To meet these demands, HR must facilitate continuous learning opportunities and foster a culture of inclusion and transparency. Programs that emphasize coaching and peer-to-peer learning can equip leaders with the skills needed to navigate complex work environments.
2. The Integration of AI in HR Practices
Generative AI is revolutionizing HR processes, from recruitment and onboarding to employee engagement and analytics. According to Naomi Lariviere, Vice President of Product Management at ADP, businesses of all sizes can leverage AI to boost productivity and streamline HR operations. Yet, only 7 percent of organizations currently have a formalized AI strategy, underscoring the untapped potential in this area.
HR teams must adopt a two-pronged approach to AI: using it to enhance internal workflows and guiding employees through its broader implications. For example, AI-powered tools can automate time-consuming tasks such as resume screening and compliance monitoring, freeing HR professionals to focus on strategic initiatives. Additionally, HR should address employee concerns about job security by emphasizing the complementary role of AI in augmenting human capabilities rather than replacing them.
3. Prioritizing Employee Wellbeing
Employee wellbeing is projected to move from being a “nice-to-have” to a central business priority. Stressors such as job insecurity, burnout and rapid technological change are taking a toll on the workforce. McLean & Company’s research reveals that while 70 percent of HR leaders cite economic stability as a key threat to well-being, investment in financial wellness initiatives remains limited.
Speaking to HR Exchange Network, Kate Palmer, Employment Services Director at Peninsula emphasised the importance of employee wellbeing in retention strategies. “We predict a focus on employee retention, more specifically prioritizing employee wellbeing. In the modern workplace, well-being and work-life balance are becoming increasingly important when it comes to an employee’s satisfaction in the role,” she notes.
Programs that promote physical, mental and financial wellness are critical to addressing these challenges. Also, as Palmer highlights, “The remote working debate, as one of the key factors, will continue to be prevalent throughout the year with employers looking to balance the needs of their operations and the desires of their employees.”
According to the American Psychological Association, 77 percent of employees recently reported experiencing work-related stress. To address this, companies are integrating mental health days, telemedicine and wellness apps as scalable solutions. Employee wellbeing programs are now seen as critical for productivity and burnout prevention.
Also, Heka’s report on 2025 wellbeing trends highlights a shift in employee preferences, where individuals are choosing benefits that directly impact health and wellbeing. Arguably, this signals that employers investing in targeted wellbeing strategies can significantly improve satisfaction and loyalty.
A holistic approach to wellbeing – addressing physical, mental and financial health – is essential. Organizations should consider implementing programs that promote work-life balance, provide access to mental health resources and offer financial planning support. Transparent communication and regular check-ins can further enhance employee morale and reduce attrition.
4. The Rise of Skills-Based Hiring
To tackle talent shortages, many organizations are shifting from credential-based hiring to a skills-first approach. Research shows that 90 percent of companies adopting this model report a reduction in mis-hires, while 94 percent agree it is more predictive of on-the-job success.
This trend challenges traditional hiring practices by valuing practical experience and transferable skills over formal education. HR leaders can support this shift by reassessing job descriptions, removing unnecessary degree requirements and investing in upskilling programs. Initiatives such as internships, apprenticeships and mentorship schemes can also help build a robust talent pipeline.
5. Pay Equity and Transparency
Pay equity and transparency are under the spotlight as regulatory requirements increase and employee expectations evolve. Over the past two years, more than 12 U.S. states and Washington, D.C., have enacted pay transparency laws, with several more jurisdictions considering similar measures.
In the UK, recent Office for National Statistics (ONS) data suggests that three-quarters of all jobs had a gender pay gap in 2024, alongside pay equality being included in the Employment Rights Bill. Palmer states that she also “expects there to be a move to increased transparency from employers when it comes to salary and pay.”
To stay ahead, HR teams must conduct regular pay audits and benchmark salaries against industry standards. Transparent communication about pay structures and equity initiatives can foster trust and strengthen employer-employee relationships. As Meryl Gutterman, Senior Counsel at ADP, advises, “Understanding your pay data and effectively communicating about it can improve employee trust and engagement.”
6. The Shift toward Geographically Dispersed Teams
The rise of remote work has created opportunities to tap into talent pools beyond traditional geographic boundaries. From February 2020 to June 2023, the share of long-distance remote workers increased from 23 percent to more than 31 percent, according to industry studies. This trend offers benefits such as enhanced worker-job matching, improved work-life balance and reduced turnover.
One of Indeed’s top six key labor market trends for 2025 emphasizes the value of flexibility. Remote work remains a key offering, with 7.8 percent of job postings still advertising remote options – well above pre-pandemic levels, according to Indeed’s Jobs and Hiring Trends Report. Employers embracing skills-based hiring, reducing degree requirements, and offering pay transparency, flexibility, and benefits will attract the most talent in 2025.
In the UK, Seb Maley, CEO of Qdos arguees that the “increase to employers’ National Insurance, due to take effect on 6th April 2025, means the cost of hiring employees is set to increase. This may well force the hand of businesses and encourage them to source flexible workers, many of whom can be engaged in a more cost-efficient manner than traditional employees. This, in my opinion, is no bad thing and many firms stand to benefit from the flexibility and skills these temporary workers can offer.”
However, managing a distributed workforce comes with challenges, including compliance with diverse labor laws and maintaining organizational culture. HR must implement tools and practices to foster collaboration, ensure equity and provide consistent employee experiences across regions.
7. Wage-and-hour Compliance in a Dynamic Regulatory Landscape
Changes in wage-and-hour regulations are creating new complexities for employers. For example, discussions around a four-day workweek and evolving overtime rules are prompting organizations to revisit their policies. In California, recent court rulings on work-time calculations further highlight the need for meticulous compliance.
HR teams must stay informed about regulatory updates and adapt their practices accordingly. Proactive measures, such as investing in compliance technology and training managers on new policies, can mitigate risks and ensure fair treatment of employees.
The HR landscape in 2025 will be defined by its adaptability to economic, technological and social changes. By focusing on human-centric leadership, embracing AI, prioritizing well-being and adopting equitable practices, organizations can position themselves for success in a rapidly evolving environment. As these trends unfold, the role of HR as a strategic partner will be more critical than ever, shaping not only the workforce but the future of work itself.
Employee benefits are the indirect and non-cash compensation paid to an employee. These benefits are given to employees over their salaries and wages. As we look ahead to 2025, companies are increasingly exploring innovative solutions to address the evolving needs of their workforce. Driven by shifts in work environments, economic challenges, and technological progress, the following trends are becoming key elements of a competitive employee benefits package.
Mental Health Support
With nearly 60 million Americans currently facing some form of mental illness, prioritizing mental health has shifted from being a luxury to a critical necessity for fostering a high-performing, supportive workplace. Mental health services and policies that allow mental health days have become more common as the impact of mental well-being on overall health and productivity becomes increasingly recognized.
Employees are placing greater value on employers who prioritize mental health, seeing it as a sign of commitment to their well-being. This not only helps reduce stigma but also enhances employees’ ability to manage stress and prevent burnout in the workplace.
Financial Education and Debt Management
Financial stress is well-known for its negative impact on employee morale, productivity, and overall well-being. To address these challenges, employers are increasingly emphasizing financial wellness benefits for 2025.
Offering employees resources to manage debt and make informed financial decisions can greatly enhance their overall well-being while demonstrating a genuine commitment to their financial health and education. Financial wellness programs may include tools for budgeting, debt counseling, and education on key personal finance topics like homeownership and investing.
Retirement Savings
As retirement becomes a top priority for many employees, companies are placing greater emphasis on retirement savings options. In addition to the traditional 401(k) match, some employers are now offering student loan repayment matching, helping employees reduce debt while simultaneously saving for retirement. Health Savings Accounts (HSAs) are also gaining popularity as a valuable tool for retirement planning, offering tax benefits and the opportunity to save for future healthcare expenses.
Voluntary Benefits
Voluntary benefits provide a cost-effective way to offer additional value to employees. From pet insurance to identity theft protection, these benefits give employees the flexibility to select coverage that meets their individual needs, boosting overall satisfaction.
Childcare and Fertility Benefits
For employees who are starting or planning to start a family, the increasing costs of family-related services, such as childcare, adoption, or fertility treatments, can quickly become a significant financial strain. Childcare alone can account for up to 10% of a working couple’s income.
Paid family leave is not guaranteed by law in the U.S. but it is a highly sought-after perk. A parental leave policy – one that considers both parents and accounts for adoption and fostering in addition to childbirth – can show your employees you care about supporting their home lives.
Childcare assistance supports working parents facing rising costs of living. While some larger employers may offer on-site childcare, smaller businesses can show their commitment to working parents by helping to subsidize the cost of childcare through employer contributions or pre-tax deductions.
Fertility assistance supports employees who are going through costly infertility treatments, surrogacy, and IVF.
In an era of rapid change and shifting employee expectations, businesses must prioritize employee well-being and satisfaction through comprehensive benefits packages to remain competitive in attracting and retaining talent. By investing in flexible, customizable, and employee-focused benefits, organizations can foster a thriving work environment that not only draws top talent but also keeps them engaged and loyal for years to come.
New to a Health Savings Account (HSA)? Here’s What You Need to Know
As the name suggests, a Health Savings Account(HSA) is a special savings account used to pay for healthcare-related expenses. An HSA has potential financial benefits for now and later.Not only can you save pre-tax dollars in this account to pay for qualified medical expenses (QMEs), but HSAs can also provide valuable retirement benefits.
If you’re new to HSAs, here are some tips to help you get started:
Understand the Basics:
Triple Tax Advantage: HSAs offer a unique triple tax advantage: contributions are tax-deductible, earnings grow tax-deferred, and withdrawals for qualified medical expenses are tax-free.
Eligibility: To be eligible for an HSA, you must be enrolled in a high-deductible health plan (HDHP).A HDHP is an insurance plan with higher deductibles and out-of-pocket costs.However, HDHPs carry lower premiums than traditional insurance plans, and in most cases, the cost savings in premiums alone are significant.
Contribution Limits: There are annual contribution limits set by the IRS. The HSA contribution limits for 2025 are $4,300 for self-only coverage and $8,550 for family coverage. Those 55 and older can contribute an additional $1,000 as a catch-up contribution.
2. Maximize Your Contributions:
Contribute Regularly: Set up automatic contributions to your HSA to make saving consistent and effortless.
Consider a Catch-Up Contribution: If you’re 55 or older, you can contribute an additional $1,000 as a catch-up contribution.
3. Use Your HSA Strategically:
Pay for Qualified Medical Expenses: Use your HSA funds to pay for eligible medical expenses, such as doctor visits, prescriptions, and dental care.
Invest for the Future: Consider investing your HSA funds for long-term growth. This can be a great way to save for other future healthcare needs or even retirement.Once you reach age 65, you can withdraw money from your HSA for any reason without penalty – only ordinary income tax due.
Unused HSA Funds: HSA funds can be rolled over to the next year. However, if you withdraw funds for non-medical expenses, you’ll pay income tax plus a 20% penalty.
Money that goes in and out of an HSA is tax free as long as payments and reimbursements from the account are used only for Qualified Medical Expenses (QMEs).QMEs are healthcare-related items or services designated by the IRS that you can write off when you do your taxes.There are thousands of medical procedures, services and types of equipment that are considered QMEs, and the IRS frequently updates the list.
It is important to know that your HSA account is yours – not your employers.Unlike healthcare Flexible Spending Accounts (FSAs), which your employer technically owns, your HSA belongs to you.So, when you leave a job, you keep all of the money you’ve saved up in your HSA and can transfer into a new HSA or employer-sponsored HSA at your next job.
The Bottom Line
HSAs are often referred to as triple tax-advantaged and are one of the best savings and investment tools available under the U.S. tax code.As a person ages, medical expenses tend to increase, particularly when reaching retirement age and beyond.Therefore, starting an HSA early and allowing it to accumulate over a long period can contribute greatly to securing your financial future.By understanding the basics of HSAs and following these tips, you can make the most of this valuable financial tool.
