Benefit Buzz - October 2026

Learn more about cholesterol, if you are prepared for an emergency and meal prepping tips. CHOLESTEROL AND YOU Cholesterol is a substance in your blood that your body needs to build cells; yet, too much can pose a problem. Cholesterol travels through the blood on proteins called lipoproteins. There are two types: 1. Low-density lipoprotein (LDL), known as bad cholesterol , makes up most of your body’s cholesterol. High levels of LDL cholesterol can increase your risk for heart disease and stroke. 2. High-density lipoprotein (HDL), known as good cholesterol , absorbs cholesterol and carries it back to the liver to be flushed from the body. More than 40% of U.S. adults with high cholesterol—and 1 in 4 with very high levels— don’t know they have it, according to a study published in JAMA Cardiology. High cholesterol usually has no symptoms, so the American Heart Association (AHA) recommends that adults age 20 or older have their cholesterol checked every four to six years. Bad cholesterol can be elevated by age, family history, certain health conditions (e.g., Type 2 diabetes and obesity) and lifestyle factors. While you can’t control all of these factors, you can take steps to lower your risk: • Eat a heart-healthy, balanced diet. Saturated and trans fats can increase your cholesterol, so focus on monounsaturated fats (e.g., olive oil, nuts and avocados) and polyunsaturated fats (e.g., salmon and margarine). Also, limit red meat, fried foods, processed meats and baked goods. • Exercise regularly. The AHA recommends individuals get at least 150 minutes of moderate aerobic exercise each week. Adding resistance exercises to your routine at least twice a week can also help. • Avoid or quit smoking. Smoking tobacco increases LDL cholesterol, decreases HDL cholesterol and can result in cholesterol buildup in one’s arteries. • Limit alcohol use . For men, this typically means up to two drinks per day, and for women, one drink per day. • Maintain a weight that is healthy for you. Having obesity can increase your risk of high cholesterol. A doctor can help determine a sustainable weight management plan. The only way to know whether you have high cholesterol is to have your levels checked. Be sure to visit your doctor for regular cholesterol screenings. ARE YOU PREPARED FOR AN EMERGENCY? Disasters such as hurricanes, tornadoes, floods and earthquakes can strike with little or no warning. Roads may become impassable, power could be out for days and emergency services might be overwhelmed. In these situations, having a plan can make all the difference between chaos and calm. September is National Preparedness Month. As such, consider using this time to plan for scenarios that may require you to evacuate your home or shelter in place. Preparedness isn’t just about stocking up on supplies; it’s about knowing what to do, where to go and how to stay safe. Consider these four key steps to help you and your household prepare: 1. Know your risks . Understand the types of disasters most likely to affect your area. 2. Create a communication plan. Make sure every member of your household knows how to reach each other during an emergency. 3. Assemble an emergency kit. Your kit should include nonperishable food and water (enough for at least three days), flashlights and extra batteries, basic first-aid supplies, medications and personal hygiene items, important documents (e.g., IDs and insurance papers) in a waterproof container, and a battery-powered radio. 4. Plan for evacuation and shelter-in-place orders . Know your local evacuation routes and shelters. Also, prepare for scenarios in which you may need to stay indoors for several days. Visit Ready.gov to learn more about preparing for emergencies at home, at work and on the road. MEAL PREPPING TIPS September brings a shift in routine as school schedules kick back in and free time shrinks. Meal prepping is the concept of preparing meals for the week ahead. It can lead to more nutritious choices and help save valuable time on busy weeknights. HelloFresh's State of Home Cooking report revealed that 38% of Americans don't have groceries on hand when they need them, which is one of the biggest obstacles to making dinner. Fortunately, meal prepping can help solve that problem. Consider these best practices: • Stick to a schedule for when you plan, grocery shop and prepare your meals. • Pick recipes with varying cooking methods (e.g., oven or stovetop). • Choose which meals to prepare first based on their cook times. • Store meals properly in portioned containers. Refrigerate meals you plan to eat within three to four days and freeze the rest. Meal prepping doesn’t have to be intimidating. Try these basic steps to cut down on cooking time and have more time for other activities. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about the IRS releases pay-or-play affordability percentage for 2027 and the DOL proposes to expand electronic delivery options for group health plans. IRS RELEASES PAY-OR-PLAY AFFORDABILITY PERCENTAGE FOR 2027 On July 21, 2026, the IRS released Revenue Procedure 2026-26 to index the contribution percentage in 2027 for determining the affordability of an employer’s health plan under the Affordable Care Act (ACA). For plan years beginning in 2027, employer-sponsored coverage will be considered affordable under the ACA’s “pay-or-play” rules if the employee’s required contribution for selfonly coverage does not exceed 10.22% of their household income for the year. This is an increase from the affordability contribution percentage for 2026 (9.96%) and the highest it has ever been. Applicable large employers (ALEs) will need to consider this affordability percentage in developing their health plan contribution strategies for the 2027 plan year. ALEs may be able to increase employees’ health coverage contributions for 2027 while still meeting the adjusted affordability percentage. As background, the ACA’s pay-or-play rules require ALEs to offer affordable, minimum-value health coverage to their full-time employees (and dependents) or risk paying a penalty. The affordability of health coverage is a key point in determining whether an ALE may be subject to a penalty. An ALE’s health coverage is considered affordable if the employee’s required contribution to the plan does not exceed 9.5% (as adjusted annually) of the employee’s household income for the taxable year. Because an employer generally will not know an employee’s household income, the IRS has provided three optional safe harbors that ALEs may use to determine affordability based on information that is available to them: the Form W-2 safe harbor, the rate of pay safe harbor and the federal poverty level safe harbor. DOL PROPOSES TO EXPAND ELECTRONIC DELIVERY OPTIONS FOR GROUP HEALTH PLANS On July 23, 2026, the U.S. Department of Labor (DOL) issued a proposed rule that would establish a new, additional safe harbor for group health plan administrators to use electronic media to furnish plan disclosures required under the Employee Retirement Income Security Act (ERISA). The proposal aims to modernize the delivery of group health plan disclosures to reduce administrative burdens and improve participants’ ability to access and understand plan information. To rely on the safe harbor, plan administrators would be required to: • Provide an initial notification to each covered individual, identifying the electronic address to be used, explaining how to access covered documents, and describing their right to opt out of electronic delivery and request free paper copies; • Furnish a notice of internet availability for each covered document informing covered individuals of their paper copy and opt-out rights; • Establish and maintain a website where covered individuals can access covered documents, taking measures reasonably calculated to ensure the site meets specified standards for timing, presentation and confidentiality; and • Provide a free paper copy of any covered document promptly upon request. The proposed safe harbor does not permit email delivery because many ERISA group health plan disclosures contain sensitive information, including protected health information. Until the rule is finalized, plan administrators should continue to comply with existing disclosure requirements. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about the 5 ways to sleep better in the summer, well-being tips for summer festivals and fairs, and if you are up to date on your vaccines. 5 WAYS TO SLEEP BETTER IN THE SUMMER A good night’s sleep is crucial for overall health and well-being, but as the days grow longer and temperatures rise, many people find falling and staying asleep increasingly difficult. The increase in daylight hours delays your body’s production of melatonin, which promotes sleep. This impacts your circadian rhythm, the body’s internal clock that regulates your sleep-wake cycle. The longer summer days tell your body to stay awake longer and may make it more difficult for you to fall asleep. Hot weather can also influence sleep patterns by raising your body temperature. This moves your body into a heightened state of awareness, preventing you from falling asleep or waking you up. In addition, people may have busy social calendars, further interfering with their regular sleep schedules. All these disruptions can make it challenging to get restful sleep during the summer. The American Academy of Sleep Medicine found that 1 in 3 people say they sleep less in the summer. Summer sleep disturbances can be frustrating, but try these five tips to improve your sleep quality: 1. Keep a consistent schedule. Late nights can happen in the summer, but try to stick to a regular and consistent sleep schedule to regulate your circadian rhythm. 2. Create a cool sleep environment . Keep your bedroom cool with fans and air conditioning, or prop doors and windows open. The best temperature for sleep is 65 degrees Fahrenheit. 3. Use lightweight fabrics . Opt for lightweight and moisture-wicking pajamas and bedding. Materials like cotton, linen, bamboo and silk can help you stay comfortable. 4. Try a sleep mask. Longer daylight hours can disrupt your sleep cycle, so wearing a sleep mask can help darken the room. Experts advise against blackout curtains; allowing some light alerts your body that the day is coming. 5. Stay hydrated . Drink plenty of water throughout the day to stay hydrated in the heat, but avoid large amounts right before bed to prevent waking up for bathroom trips. Understanding how summer’s long days, high temperatures and lifestyle changes can affect your sleep can allow you to take action to improve your slumber. If you have questions or concerns about your sleep quality, contact your doctor. WELL-BEING TIPS FOR SUMMER FESTIVALS AND FAIRS With sunny days, seasonal breaks and time off, summer is a popular time for public outdoor events. Festivals and fairs carry several health and safety risks (e.g., heat-related illness, sun exposure and dehydration), as well as crowd safety hazards and foodborne illness from vendors. Consider these tips to stay healthy and safe at festivals and fairs: • Plan ahead. Check the weather to know how to dress, and familiarize yourself with the venue layout so you can quickly find exits, first-aid stations and water refill points. Stick with your group and set a meet-up plan in case you get separated. • Check event policies . Review the venue’s website for rules on bags, water bottles, sunscreen containers and umbrellas. • Stay cool and hydrate . Wear light, breathable clothing, drink water throughout the day and take shade breaks to cool down. • Use sun protection. Apply a broad-spectrum sunscreen and reapply every two hours. Consider wearing a hat or sunglasses for extra protection. • Protect your hearing. Use earplugs or noisecanceling headphones in loud areas to reduce hearing damage. • Prioritize your personal safety. Use antitheft bags, keep valuables close and stay aware of your surroundings to navigate crowds and avoid hazards. • Eat and drink responsibly. Choose vendors with clean setups and proper food safety equipment, or eat beforehand or pack your own food if allowed. If drinking alcohol or caffeine, balance it with water to avoid worsening dehydration or heat illness. Prioritizing your health and safety at festivals and fairs can help you minimize risks and maximize fun. ARE YOU UP TO DATE ON YOUR VACCINES? Every August, National Immunization Awareness Month promotes the importance of immunizations at all life stages. Vaccination protects against severe illnesses and complications of vaccine-preventable diseases, including measles, polio, hepatitis, meningococcal meningitis and COVID-19. Vaccinations are so vital that the U.S. Centers for Disease Control and Prevention offers immunization schedules to help you understand if you or others are up to date on shots: • Infants and children (birth to age 6) • Preteens and teens (ages 7-18) • Adults (ages 19 and older) • Pregnant people (before, during and after pregnancy) Getting vaccines at the recommended time is the best way to protect against serious diseases. If you’re behind on routine vaccinations, consider getting vaccinated as soon as possible. Your doctor can offer personalized guidance and provide more information about vaccines. Flu season is right around the corner, so pharmacies and clinics may soon begin getting this year’s shots in. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about EBSA releasing its regulatory agenda and the DOL clarifying that employer contributions to Trump Accounts generally do not create ERISA plans. EBSA RELEASES REGULATORY AGNEDA FOR THE YEAR AHEAD On July 3, 2026, the Trump administration released its 2026 Regulatory Plan and Unified Agenda of Regulatory and Deregulatory Actions (Agenda), identifying its significant regulatory priorities and planned activities for the year ahead. Federal agencies with new regulations under development or review are included in the Agenda, including the U.S. Department of Labor's (DOL) Employee Benefits Security Administration (EBSA). EBSA’s regulatory plan mainly focuses on retirement plan compliance, including fiduciary responsibilities for selecting investments. However, EBSA’s plan also includes priorities impacting welfare benefit plans, including the following items to watch for: • A proposed rule regarding default electronic disclosures, focusing on making it easier and less costly for employers and other plan fiduciaries to produce and distribute group health plan disclosures (update: EBSA issued this proposed rule on July 23, 2026); • A proposed rule under the Mental Health Parity and Addiction Equity Act to clarify parity obligations for health plans and health insurance issuers and reduce their compliance burden; • A proposed rule to provide additional guidance and flexibility for individual coverage health reimbursement arrangements (or ICHRAs); and • A final rule requiring pharmacy benefit managers to provide compensation disclosures to fiduciaries of self-insured group health plans. In addition, EBSA is expected to finalize a proposed rule to create a new category of limited excepted benefits that employers can use to offer fertility benefits. While the Agenda outlines future regulatory plans, it does not impact employers’ current compliance obligations. Until formally changed through final rulemaking or other regulatory action, all existing rules and compliance requirements remain in place. DOL CLARIFIES THAT EMPLOYER CONTRIBUTIONS TO TRUMP ACCOUNTS GENERALLY DO NOT CREATE ERISA PLANS On June 17, 2026, the DOL issued guidance (Technical Release 2026-02) on whether Trump Accounts may be employee pension benefit plans subject to the Employee Retirement Income Security Act (ERISA), including when employers make contributions through an Internal Revenue Code Section 128(c) Trump Account Contribution Program. Trump Accounts are a new type of savings vehicle for children. The accounts are treated similarly to traditional individual retirement accounts (IRAs) for tax purposes, with special rules applying during a “growth period” that ends on Dec. 31 of the year before the calendar year in which the child reaches age 18. Employers can contribute to Trump Accounts pursuant to a Trump Account Contribution Program. Contributions are limited to $2,500 per employee per year, subject to costof-living adjustments after 2027. Technical Release 2026-02 provides that Trump Accounts and Trump Account Contribution Programs generally will NOT constitute employee pension benefit plans subject to ERISA. According to this guidance: • Employer contributions to Trump Accounts will not generally result in ERISA coverage for a Trump Account or the contribution arrangement where they occur only during the growth period; and • Employer involvement with a Trump Account in periods beyond an account beneficiary’s growth period should be limited in accordance with the payroll safe harbor conditions for IRAs in 29 CFR 2510.3-2(d) to avoid ERISA status. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about UV index and sun safety, outdoor exercise tips, and how to fibermaxx safely. UV INDEX AND SUN SAFETY Spending time outdoors can be great for your health and well-being, but protecting your skin from the sun’s harmful ultraviolet (UV) rays is important. One of the most effective ways to do this is to understand and use the UV index, a daily forecast that measures the intensity of the sun’s UV radiation. Whether your job requires you to spend time outside, or you’re heading out for a walk, playing sports or simply running errands, knowing the UV index can help you time your exposure and take steps to protect yourself from sun damage. The UV index is reported on a scale from 0 to 11+, with each range corresponding to the average person's risk level. The higher the UV index value, the greater the potential for harm from unprotected sun exposure. Children, older adults, and people with fair skin or certain medical conditions may be especially vulnerable to high UV levels. Even on cloudy days, up to 80% of UV rays can penetrate cloud cover, so protection is important no matter the weather. The UV index is a helpful tool that can guide your daily decisions and keep you protected from harmful UV radiation. Here's how to use it proactively: • Check the index in the morning . Many weather apps and websites display the UV index alongside the daily forecast. • Take extra precautions when the index spikes . On days with a very high or extreme rating, minimize direct exposure and prepare accordingly with strong sun protection. • Adjust your schedule when possible . If the UV Index is high (6 or above), plan outdoor activities for early morning or late afternoon, when the sun’s rays are less intense. When rescheduling is not feasible, take extra precautions to protect yourself from exposure. • Watch for environmental amplifiers . Sand, water and even pavement can reflect UV rays, increasing your exposure. The UV index is a simple, reliable tool that helps you know when to take extra precautions. By making it part of your daily routine, you can reduce your risk of sunburn, premature aging and skin cancer while still enjoying time outdoors. Practicing daily sun safety, guided by the UV index, helps protect your skin for the long term. OUTDOOR EXERCISE TIPS Working out in green spaces may not only make your workout more enjoyable but also help you relax and feel more socially connected. Recreational sports (e.g., basketball, golf and tennis) are great options during the summer. In addition, consider activities such as cycling, hiking, roller skating, swimming, trail running and walking. Alternatively, you could move your yoga, strength training or cardio sessions outdoors. Before heading outdoors, set yourself up for a successful and safe workout: • Check the weather forecast to avoid extreme heat and severe weather. • Avoid exercising during the hottest part of the day, between 10 a.m. and 4 p.m. • Wear lightweight, loose-fitting clothes to keep you cool and reflective clothing to stay visible around dawn and dusk. • Bring a water bottle and take regular sips— whether you’re thirsty or not. • Apply a broad-spectrum sunscreen with SPF 30 or higher and reapply every two hours. • Do warm-up exercises (e.g., light jogging, stretches or jumping jacks) to get your blood flowing and reduce your risk of injury. • Avoid blasting music or podcasts on your earphones so you hear oncoming cars, people and other potential hazards. • Pay attention to how you’re feeling and stop if you start to feel dizzy or nauseous. Always speak with your doctor before starting a new exercise regimen. HOW TO FIBERMAXX SAFELY With a growing awareness of gut health, a new trend called “fibermaxxing” encourages people to intentionally increase their daily fiber intake, often to meet or exceed the recommended intake. The goal? Better digestion, improved heart health, lower cholesterol and reduced cancer risk. The National Academy of Medicine recommends that men 50 and under get 38 grams (g) of fiber daily and women 50 and under get 25 g. Those figures decrease for adults over the age of 50, with 30 g for men and 21 g for women. While fibermaxxing may sound like just another fleeting wellness trend, experts say this one has real merit. More than 9 in 10 Americans don’t get enough fiber. That’s problematic, as low fiber intake has been linked to rising colon cancer rates among younger adults. While fibermaxxing can be beneficial, going too hard too fast can backfire. Sudden increases in fiber intake may cause bloating, gas or discomfort. Here are tips to incorporate fiber: • Start slow. Begin with 5 g per day and increase by 5 g weekly until your goal. • Drink plenty of water . Fiber needs water to move through your system. • Eat whole foods , including beans, fruits, vegetables, whole grains, nuts and seeds. Some fiber-rich foods include chia seeds, raspberries, black beans, oats, popcorn, quinoa, barley, carrots, apples and peas. • Avoid relying on supplements. Whole foods offer more nutrients and are easier to digest. • Listen to your body . If symptoms persist, adjust your intake or consult a dietitian. Most of us need more fiber, and doing it right can lead to lasting health benefits. Talk to a healthcare professional about diet changes or concerns. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about the IRS announcing HSA/HDHP limits for 2027 and the DOL civil penalty amounts unchanged for 2026. IRS ANNOUNCES HSA/HDHP LIMITS FOR 2027 On May 29, 2026, the IRS released the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2027. The IRS is required to publish these limits by June 1 of each year. These limits include the following: • The maximum HSA contribution limit • The minimum deductible amount for HDHPs • The maximum out-of-pocket expense limit for HDHPs These limits vary based on whether an individual has self-only or family coverage under an HDHP. Eligible individuals with self-only HDHP coverage will be able to contribute $4,500 to their HSAs in 2027, up from $4,400 in 2026. Eligible individuals with family HDHP coverage will be able to contribute $9,000 to their HSAs in 2027, up from $8,750 in 2026. Individuals aged 55 or older may make an additional $1,000 “catch-up” contribution to their HSAs. The minimum deductible amount for HDHPs increases to $1,750 for self-only coverage and $3,500 for family coverage for 2027 (up from $1,700 for self-only coverage and $3,400 for family coverage for 2026). The HDHP maximum out-of-pocket expense limit increases to $8,700 for self-only coverage and $17,400 for family coverage for 2027 (up from $8,500 for self-only coverage and $17,000 for family coverage for 2026). Employers sponsoring HDHPs should review their plans’ cost-sharing limits (i.e., the minimum deductible amount and maximum out-of-pocket expense limit) when preparing for the plan year beginning in 2027. Also, employers that allow employees to make pre-tax HSA contributions should update their plan communications with the increased contribution limits. DOL CIVIL PENALTY AMOUNTS UNCHANGED FOR 2026 The U.S. Department of Labor (DOL) has confirmed that it will make no adjustments to civil monetary penalties for 2026 and will continue to use the 2025 penalties as applicable. This applies to penalties that may be assessed on employers for violations of a wide range of federal laws, including the Employee Retirement Income Security Act (ERISA) and the Family and Medical Leave Act (FMLA). Federal law requires agencies to adjust their civil money penalties for inflation no later than Jan. 15 each year to maintain their effectiveness and deterrent effect. Last year, the DOL’s final rule on 2025 inflation-adjusted amounts was published on Jan. 10, 2025. The annual adjustment is based on Bureau of Labor Statistics (BLS) data from October of the prior year. However, due to the government shutdown, the BLS was unable to produce October 2025 data. As a result of this lack of data, and because the law does not provide an alternate method for calculating the adjustments, the 2026 adjustment is canceled entirely. Employers should continue to prioritize compliance with all applicable federal requirements, as the 2025 penalty amounts remain fully in effect for 2026. For example, the following key penalty amounts remain in effect:  • Failure to provide a summary of benefits and coverage (SBC) for a health plan may result in a penalty of up to $1,443 per participant or beneficiary. • Failure to file an annual Form 5500 with the DOL can result in a penalty of up to $2,739 per day. • Employers that willfully violate the FMLA posting requirement may face a penalty of up to $216 for each separate offense. • Failure to provide the annual notice regarding Children’s Health Insurance Program (CHIP) coverage opportunities may result in a penalty of up to $145 per day (each employee is a separate violation). Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about exploring the great outdoors, when the best time to eat protein and your summer medicine cabinet checklist. EXPLORE THE GREAT OUTDOORS Spending even a few moments outside daily can significantly improve your physical health by reducing muscle tension, regulating sleep and improving your work performance. Experiencing the outdoors—specifically, green spaces—can also provide some mental health benefits, including reduced anxiety and depression symptoms, decreased stress levels and improved overall mood. The Environmental Protection Agency reports that the average American spends only 7% of their life outdoors, leaving 93% spent indoors. It may seem difficult to incorporate fresh air into your daily routine, so here are a few tips to spend more time in the great outdoors this summer: • Find time throughout the day to be outside. Try walking or doing a similar activity before or after your workday. Alternatively, enjoy lunch outside instead of eating at your desk during the workweek. If working remotely, you could join virtual meetings outside in a quiet place with little background noise or try “walking meetings” with teammates. Focus on finding small ways to incorporate fresh air each day. • Move your workout outside. If you usually run on the treadmill, consider jogging around your neighborhood instead. Additionally, doing bodyweight or free-weight exercises in your backyard or at a park can give you the same workout you get in the gym while letting you spend more time outside. • Focus on the quality—not quantity—of your time outdoors. While outside, try to really listen to and look at what’s around you. Are there birds chirping? What color are the flowers? An intentional presence outdoors can help you feel more connected to nature and increase the benefits you receive from the fresh air. • Find someone to explore with. It can be much easier to start a new habit when you have someone to do it with. As such, consider getting together with a partner or a group of friends to participate in outdoor activities. • Bring nature indoors. Even when you can’t get outside for very long, you can still bring in little pieces of the outdoors. Consider purchasing a few houseplants to place around your home or starting an indoor herb garden. Spending time outdoors can improve your physical and mental health, so take advantage of the longer summer days and get outside. WHEN'S THE BEST TIME TO EAT PROTEIN? Protein is important for overall health. Health experts note that there isn’t one perfect time of day to eat protein. What matters most is how evenly you include it throughout the day. Instead of saving most of your protein for dinner, spreading it across meals and snacks allows your body to use it more efficiently for energy, fullness and muscle repair. The 2025-2030 Dietary Guidelines for Americans prioritize protein at every meal, aiming for 1.2 to 1.6 grams per kilogram of body weight daily. Eating protein at different times of the day has certain advantages. For example, protein in the morning after an overnight fast supports steady energy, sharper focus and improved appetite control, which may reduce overeating later in the day. Adding protein to snacks also plays a key role, helping stabilize blood sugar and prevent afternoon energy crashes. Similarly, protein is useful after workouts, as it helps muscles recover and grow stronger. Dinner protein remains important, but loading most of the day's intake into a single meal isn't ideal, since the body can only use so much at once. Most people don't need excessive protein supplements, as regular meals often provide enough. In the end, a practical approach is to include protein at every meal, aim for moderate portions, and balance it with carbohydrates and healthy fats. Consistency delivers the biggest benefits. SUMMER MEDICINE CABINET CHECKLIST Summer brings more time outdoors, and with it, a higher chance of sunburns, bug bites, minor injuries, allergies, and heat-related issues. Medications can also lose effectiveness or even become unsafe after expiration, and heat and humidity can further degrade products that are already past their prime. When summer ailments or accidents strike, you want relief that works quickly and safely. The average American opens their medicine cabinet 468 times each year. However, nearly 3 in 4 people admit they often forget to replace their expired products. A cabinet check today ensures you're prepared for common summer needs without last-minute store runs. Consider these 10 summer essentials: Pain reliever and fever reducer Antihistamines, nasal spray and eye drops Hydrocortisone cream for rashes and bug bites Broad-spectrum sunscreen Aloe vera or after-sun gel Insect repellent Oral rehydration packets or electrolyte drinks Bandages and basic first-aid supplies Antibiotic ointment for minor cuts Instant cold packs Refreshing your medicine cabinet is a small task that can make a big difference, allowing more time for fun in the sun. Make a habit to check expiration dates every six months so you're always prepared. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about federal agencies proposing rules on offering fertility benefits and IRS releases pay-or-play penalties for 2027. FEDERAL AGENCIES PROPOSE RULES ON OFFERING FERTILITY BENEFITS On May 13, 2026, the U.S. Departments of Labor, Health and Human Services, and the Treasury (the Departments) issued a proposed rule that would create a new category of limited excepted benefits that employers can use to offer fertility benefits. The proposed rule builds on Executive Order 14216 and the Departments’ October 2025 guidance, which clarified that employers may offer fertility benefits through three existing excepted benefit pathways: a fully insured independent, noncoordinated excepted benefit policy; an excepted benefit HRA; and an employee assistance program offering coaching and navigator services. The proposed rule would establish a new category of limited excepted benefits for fertility benefits . The new category would apply restrictions like those already in place for other limited excepted benefits, with the following main requirements: • Substantially all benefits must be for the diagnosis, mitigation or treatment of infertility or related reproductive health conditions; • Benefits are capped at a combined lifetime maximum of $120,000 for the participant and their beneficiaries, indexed for inflation for plan years beginning after 2027; • The benefits must be provided under a separate policy or otherwise not be an integral part of the plan maintained by the same plan sponsor; and • The plan or insurance issuer must provide a written notice to participants and beneficiaries that clearly describes the coverage, including its benefits and limitations, how to access in‑network providers and how to submit claims. This notice must be provided at the first opportunity to enroll, annually thereafter, and upon request. If finalized, the proposed changes would apply for plan years beginning on or after Jan. 1, 2027 . However, the Departments have asked for feedback on whether the proposed changes should be applicable sooner to allow plan sponsors and issuers flexibility to offer this benefit immediately after the changes are finalized. IRS RELEASES PAY-OR-PLAY PENALTIES FOR 2027 On May 4, 2026, the IRS released updated penalty amounts for 2027 related to the employer shared responsibility (“pay-or-play”) rules under the Affordable Care Act (ACA). The ACA requires applicable large employers (ALEs) to offer affordable, minimum-value (MV) health coverage to their full-time employees (FTEs) or potentially pay a penalty to the IRS. Depending on the circumstances, one of two penalties may apply under the pay-or-play rules, the 4980H(a) penalty or the 4980H(b) penalty, as follows: Under Section 4980H(a), an ALE will be subject to a penalty if it does not offer coverage to substantially all FTEs and any one of its FTEs receives a subsidy for purchasing individual health coverage through an Exchange. This monthly penalty is equal to the ALE’s number of FTEs (minus 30) multiplied by one-twelfth of $2,000 (as adjusted) for any applicable month. For 2027, the penalty increases to $ 3,780 (up from $3,340 for 2026); and Under Section 4980H(b), ALEs that offer coverage to substantially all FTEs may still be subject to a penalty if at least one FTE obtains a subsidy through an Exchange because the ALE did not offer coverage to all FTEs, or the ALE’s coverage is unaffordable or does not provide MV. The monthly penalty assessed on an ALE for each FTE who receives a subsidy is one-twelfth of $3,000 (as adjusted) for any applicable month. For 2027, the penalty increases to $ 5,670 (up from $5,010 for 2026). However, the total penalty for an ALE is limited to the 4980H(a) penalty amount. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about breaking down mental health stigma, the EWG releases the 2026 Dirty Dozen list, and spring cleaning your routine. BREAKING DOWN MENTAL HEALTH STIGMA May is Mental Health Month, a national health observance dedicated to shedding light on mental health conditions and fostering understanding and support for those experiencing them. According to the National Alliance on Mental Illness (NAMI), more than 1 in 5 adults experience mental illness each year. Despite the prevalence of illnesses and increasing recognition of mental health as a critical component of overall well-being, stigma remains a significant barrier to receiving treatment and support. The fear of judgment and discrimination often prevents individuals from seeking help. NAMI reports that roughly half (52%) of adults with a mental illness go without treatment. It’s imperative to raise awareness and educate others about mental health to combat stigma and create a more compassionate and supportive society. Stigma grows in silence, so here are some tips for helping break the silence: • Educate yourself and others . Understanding the complexity of mental illness, including substance use disorders, can help dispel misconceptions. Take the time to learn about mental health conditions, symptoms and treatments. • Talk openly . Break the silence surrounding mental health by initiating open and honest conversations with friends, family and colleagues. Sharing personal experiences or listening without judgment can help create a safe space for others. • Choose words carefully . Avoid stigmatizing words and use person-first language, emphasizing the individual rather than their condition. • Encourage equal treatment of physical and mental health conditions . Mental illness is a medical condition, so it should be treated like any other medical condition. • Speak up . If you suspect someone is struggling, send them messages of support or help them get on the path to treatment. By taking proactive steps to reduce mental health stigma and break down barriers, you can help create an inclusive and supportive environment where everyone feels empowered to seek help. EWG RELEASES THE 2026 DIRTY DOZEN LIST Each year, the Environmental Working Group (EWG) releases the Dirty Dozen, ranking pesticide residue levels based on produce samples taken by federal agencies. Nearly 100% of all conventional fresh produce sampled this year tested positive for potentially harmful pesticides, with Dirty Dozen items accounting for 96% of those samples. Here’s the 2026 Dirty Dozen list: 1. Spinach 2. Kale, collard and mustard greens 3. Strawberries 4. Grapes 5. Nectarines 6. Peaches 7. Cherries 8. Apples 9. Blackberries 10. Pears 11. Potatoes 12. Blueberries The EWG also publishes the Clean Fifteen list. Pineapples, sweet corn and avocados continue to top the list. Nearly 60% of the Clean Fifteen produce had no detectable pesticide residues. Whether organic or not, all properly handled fresh produce is considered safe to eat. The EWG stresses that the benefits of a diet rich in fruits and vegetables outweigh the risk of pesticide exposure. Do your best to get your daily dose of healthy produce while still being an informed shopper. If you’re still uneasy about pesticides after scrubbing your produce, frozen or canned versions can be a great alternative. Ultimately, it comes down to what works best for your household and budget. SPRING CLEAN YOUR ROUTINE Spring isn’t just for cleaning out your closet. It’s also a great time to refresh your mind and body. It’s important to check in on yourself regularly; a routine refresh can help you avoid illness, reduce stress and feel in control. Consider the following ways to freshen up your daily routine this spring: • Assess your current routine. The first step in spring cleaning your routine is to take stock of your current habits and activities. Are there tasks or commitments that no longer serve you? Are there areas where you feel overwhelmed or stressed? • Declutter your home. No clothing, equipment or other belongings are off-limits, so get rid of items you don’t use anymore . • Create space for self-care. Pr ioritize self-care activities or take a few moments each day to relax and recharge. • Reset your recipes with seasonal produce. Spring produce includes vegetables such as asparagus, artichokes, radishes, rhubarb and peas, as well as fruits like strawberries. Inseason produce is picked at the peak of its freshness and nutritional value and is packed with essential vitamins, minerals and antioxidants that boost the immune system. • Establish healthy habits . For example, you could commit to a regular sleep schedule or incorporate more movement into your day. Start spring cleaning your routine today to create one that supports your mental health and enables you to thrive in spring and beyond. This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. Readers should contact a health professional for appropriate advice. © 2026 Zywave, Inc. All rights reserved. Download the PDF copy here.