2025 Open Enrollment Compliance Bulletin

This Compliance Bulletin outlines key updates and requirements for employers sponsoring group health plans for the 2025 plan year. It emphasizes the need for applicable large employers (ALEs) to ensure that at least one health plan meets the Affordable Care Act's (ACA) affordability standard once the IRS releases the affordability percentage. Employers with high deductible health plans (HDHPs) must review and adjust their plans to comply with new out-of-pocket maximum limits and deductible requirements. Additionally, necessary participant notices, such as the summary of benefits and coverage (SBC), must be included in open enrollment materials. The bulletin details updated limits for health savings accounts (HSAs) and HDHPs, along with specific steps employers should take to confirm compliance, including communication of changes to employees. Furthermore, it addresses the expiration of certain design options for HDHPs and the updates required for preventive care benefits, ensuring adherence to the latest guidelines and regulations.