Live Well, Work Well - June 2023

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.

Learn more about CMS excludes HRAs and Health FSAs from Medicare Part D and EBSA outlines shifting priorities for ERISA enforcement. CMS EXCLUDES HRAS AND HEALTH FSAS FROM MEDICARE PART D NOTICES The Centers for Medicare and Medicaid Services (CMS) has released a final rule that exempts account-based plans, such as health reimbursement arrangements (HRAs) and health flexible spending accounts (FSAs), from Medicare Part D disclosure requirements. The change applies to coverage beginning January 1, 2027 . As background, employers with group health plans that provide prescription drug coverage to individuals who are eligible for Medicare Part D must inform both those individuals and CMS whether that coverage is creditable. A group health plan's prescription drug coverage is considered creditable if its actuarial value equals or exceeds the actuarial value of standard Medicare Part D prescription drug coverage; coverage that does not meet this standard is deemed noncreditable. For this purpose, the term “group health plan” includes account-based medical plans such as HRAs and health FSAs, to the extent they are employee welfare benefit plans that provide medical care. The final rule exempts account-based plans, such as health FSAs and HRAs (including individual coverage HRAs, or ICHRAs), from the creditable coverage disclosure requirements. According to CMS, these account-based plans do not actually offer prescription drug coverage; rather, they are designed to provide savings on health care costs through pretax contributions and reimbursements to supplement other health coverage. CMS explains that requiring these plans to determine if their coverage is creditable and report that status unduly increases administrative burden and could result in confusion for beneficiaries. Employers should continue to comply with existing creditable coverage disclosure requirements until the rule takes effect, keeping in mind that the exclusion applies only to account-based plans. Group health plans that offer prescription drug coverage remain subject to the Medicare Part D disclosure requirements. EBSA OUTLINES SHIFTING PRIORITIES FOR ERISA ENFORCEMENT The U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) has released a memorandum outlining its enforcement priorities and guiding principles under the Employee Retirement Income Security Act of 1974 (ERISA). According to EBSA, these priorities and principles are designed to ensure that the agency’s enforcement is “fair, even-handed, responsive and focused.” The memorandum reflects an overall shift to prioritize enforcement actions related to violations of the duty of loyalty rather than prudence in the operation of employee benefit plans. EBSA’s memorandum outlines the following general standards for the agency’s enforcement actions: • Focusing enforcement on the most egregious conduct and significant harm, particularly criminal cases and civil investigations where there is direct evidence of disloyalty or impermissible conflicts of interest; • Ensuring the agency does not regulate by enforcement and instead uses the notice-andcomment rulemaking process and sub-regulatory guidance to drive policy; • Requiring proper review by senior agency officials of all significant enforcement activities; and • Committing to timely and responsive enforcement. Private-sector employers should periodically review their compliance with ERISA’s fiduciary requirements, including adherence to the duty of loyalty and avoidance of prohibited transactions involving impermissible conflicts of interest. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here.

Learn more about nipping seasonal allergies in the bud, the impact of chronic stress, and cutting down on added sugars. NIP SEASONAL ALLERGIES IN THE BUD Springtime allergies are an annual nuisance for many people. As plants begin to bloom and people start to cut their grass more frequently, allergy sufferers nationwide start sniffling and sneezing. If this sounds familiar, you may have seasonal allergies, which are symptoms that occur at specific times of the year, typically when allergens are released into the air. The most common spring allergy trigger is tree pollen, which peaks from March to May. What’s more, mold growth blooms both indoors and outdoors, making it almost impossible to escape allergy triggers. According to the Asthma and Allergy Foundation of America, 1 in 4 adults experience seasonal allergies from pollen from trees, grass and weeds. Similar to other types of allergies, seasonal allergies develop when your body’s immune system detects and then overreacts to a foreign substance it thinks is harmful. For some, allergy symptoms may consist of sneezing a couple of times a year. But for others, seasonal allergies can cause congestion, a runny, itchy or stuffy nose, watery eyes, headaches and more for weeks or months at a time. To reduce your allergies, consider the following strategies: • Wash your bedding every week in hot water to help keep pollen under control. • Take a shower after spending time outdoors, as pollen can stick to your hair, skin and clothing. • Limit the number of throw rugs to reduce dust and mold. Also, opt for washable rugs. • Clean your floors often with a vacuum that has a HEPA filter. • Change your air conditioner and heating HEPA filters often. Treatment for most allergies is available both over the counter and by prescription. If your allergy symptoms are severe or chronic, you may need a series of allergy shots. Contact your doctor or ask for a referral to an allergist to determine which seasonal allergy treatment option is best for you. THE IMPACT OF CHRONIC STRESS Stress is defined as a “state of worry or mental tension” often brought on by a difficult situation. It’s a natural reaction to perceived threats. Stress can be a good thing in small doses; it’s the body’s way of handling sudden demands and challenges. Stress responses can enhance your focus, increase energy and promote quick responses. However, frequent and long-term chronic stress can negatively impact your health. Stress triggers are deeply personal, and each person experiences this feeling differently. While stress is a normal part of life that comes and goes as you navigate various life circumstances (e.g., getting a new job or presenting a project), chronic stress is different. It’s characterized by prolonged and constant feelings of pressure and anxiety. Chronic stress can contribute to feelings of anxiety and depression, issues with high blood pressure, a weakened immune system, sleep disturbances and digestive issues. If left unchecked, it can have a long-lasting impact on your physical and mental well-being. If you’re experiencing symptoms of chronic stress, reach out to your health care provider or employee assistance program for guidance and support. CUTTING DOWN ON ADDED SUGARS Sugar is woven into the modern diet—often in ways that aren’t obvious. While naturally occurring sugars can be part of a balanced eating pattern, added sugars are a different story. The 2025–2030 Dietary Guidelines for Americans (DGA) reflects mounting research that reducing added sugars can improve metabolic health and lower long-term disease risk. The DGA recommends limiting added sugars as much as possible and advises that a single meal contain no more than 10 grams of added sugar. Cutting back doesn’t have to happen overnight. Small, consistent changes can make a meaningful difference, so start with these strategies: • Rethink your beverages by swapping sugar-sweetened drinks for water, sparkling water, unsweetened tea and coffee served black or with minimal sweetener. • Choose whole, fresh fruit over fruit juice. • Build meals around whole foods , including vegetables, whole grains, lean proteins, healthy fats and whole fruits. • Reduce sweetness gradually to make it easier to adapt without feeling deprived. • Read nutrition labels carefully , checking both total sugars and added sugars. Reducing added sugar is not about eliminating all sweet foods or striving for perfection, but about awareness and balance. Occasional treats can fit into a healthy eating pattern, but daily habits matter most. Meal planning, mindful grocery shopping and paying attention to labels can help you stay within recommended limits. Over time, cutting back on added sugars may improve energy levels, weight management and overall health. 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 proposing rules on Trump Account for children and employers should prepare for 2026 RxDC Reporting. IRS PROPOSES RULES ON TRUMP ACCOUNTS FOR CHILDREN On March 9, 2026, the IRS released two proposed rules regarding Trump Accounts. Created by the One Big Beautiful Bill Act, Trump Accounts are a new type of tax-favored savings account for children under the age of 18 that will be available later in 2026. One proposed rule addresses the federal government’s $1,000 pilot program, while the other proposed rule includes general requirements for Trump Accounts. Contributions to Trump Accounts may start July 4, 2026 , and can be made by anyone. Under the pilot program, children born between 2025 and 2028 may receive a special $1,000 contribution to their Trump Accounts from the federal government if certain requirements are met. Contributions are subject to an annual limit of $5,000 (subject to cost-of-living adjustments after 2027), although certain types of contributions are not counted toward this limit. The accounts are treated similarly to traditional 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 may contribute to the Trump Account of an employee or an employee’s dependent pursuant to a Trump Account Contribution Program. Contributions are limited to $2,500 per employee per year, subject to cost-of-living adjustments after 2027. Employers can also allow employees to make salary reduction contributions to their dependents’ Trump Accounts under a Section 125 cafeteria plan. Taxpayers will use a new IRS form (Form 4547, Trump Account Election(s)) to establish Trump Accounts for eligible children. This same form is used to make an election to participate in the federal government’s $1,000 pilot program. For more information on Trump Accounts, visit trumpaccounts.gov and see Form 4547 instructions. EMPLOYERS SHOULD PREPARE FOR 2026 RXDC REPORTING Group health plans and health insurance issuers must annually submit detailed information on prescription drug and health care spending to the Centers for Medicare and Medicaid Services (CMS). This reporting is referred to as the prescription drug data collection (RxDC report). The next RxDC report is due by June 1, 2026 , covering data for 2025. Most employers contract with third parties, such as issuers, third-party administrators (TPAs) and pharmacy benefit managers (PBMs), to submit RxDC reports on behalf of their health plans. Employers may work with multiple third parties to complete the RxDC report for their health plans. A health plan’s submission is considered complete if CMS receives all required files, regardless of who submits them. If an issuer is required by written agreement to submit the RxDC report for a fully insured health plan but fails to do so, then the issuer (not the plan) violates the reporting requirements. However, the RxDC reporting liability stays with a self-insured health plan, even if a third party contractually agrees to submit the required information. Employers should start reaching out to their issuers, TPAs or PBMs, as applicable, to confirm that they will submit the RxDC files for their health plans by June 1, 2026. Employers should also confirm that their written agreements with these third parties address this reporting responsibility. Also, employers will likely need to provide their third-party vendors with plan-specific information, such as enrollment and premium data, to complete their RxDC submission. Employers should watch for these vendor surveys and promptly provide the requested information. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here. Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx

Learn more about building healthy habits, Top 2026 health trends, and understanding kidney health. BUILD HEALTHY HABITS WITH "WELLNESS STACKING" Building healthy habits doesn’t have to mean overhauling your entire lifestyle. In fact, small, meaningful changes are often the most sustainable. That’s the idea behind wellness stacking, a method that helps you build better routines by pairing new habits with behaviors you already do every day. By linking a new action to an existing routine, you create a simple structure that makes healthier choices easier and more automatic. Wellness stacking works because your brain thrives on predictable patterns. Existing habits, such as brushing your teeth or making your morning coffee, act as “anchors.” When you attach a small wellness habit to one of these anchors, your brain begins to connect the two behaviors. Over time, the new habit requires less effort because it becomes part of an established routine. This reduces the mental load of having to remember to be healthy and makes consistency feel natural rather than forced. Getting started with wellness stacking is simple. First, identify your daily anchor habits—the things you do without thinking. These might include waking up, sitting down at your desk, eating lunch or winding down at night. Next, choose a small wellness habit that aligns with your goals, such as drinking a glass of water, stretching for one minute, taking a brief walk or practicing a few deep breaths. Attach the new habit to the existing one using a clear structure. Then, keep the new behavior small, easy, and repeatable to help it stick. Here are some examples of habit stacks: • After I wake up, I will drink a full glass of water. • While my coffee brews, I will do one minute of light stretching. • When I sit down at my desk, I will take five deep breaths. • After lunch, I will take a five‑minute walk. • Before brushing my teeth at night, I will write down one thing I’m grateful for. • After I turn off the TV, I will prepare water or snacks for tomorrow. By connecting tiny wellness habits to moments already built into your day, you can create sustainable changes. Reach out to a health care professional for further guidance. U.S. NEWS & WORLD REPORT REVEALS TOP 2026 HEALTH TRENDS This year, U.S. News & World Report (U.S. News) replaced its long-running Best Diets annual rankings with a Top Health and Nutrition Trends report. The findings reflect survey results from a panel of 58 experts, including doctors, dietitians and health researchers. The experts were asked which emerging health trends would have the greatest impact in 2026. Here are their top predictions: 1. Expanded use of glucagon-like peptide-1 (GLP-1) drugs —About 1 in 5 adults have used GLP-1 medications, and usage rates are rising as costs decrease and pill versions of these formerly injectable drugs become available. GLP-1’s popularity will grow as its use broadens beyond obesity and Type 2 diabetes, tackling other conditions. 2. Integration of artificial intelligence (AI)and wearable technology —Wearable tech can reveal simple health information, and can provide real-time information and personalized recommendations when paired with AI. Many people are opting for smartwatches and smart rings that track metrics, such as physical activity, sleep and food. 3. Greater use of “food as medicine” —While this concept isn’t necessarily new, it does recognize that the foods consumed directly impact health. Experts predict a return to the basics of whole, nutritious food this year. While plant-based food, sustainable sources and meat alternatives used to dominate the U.S. News’s diet rankings, those trends landed at the bottom of this new health report. Today’s reality is that more people are focusing on ways to incorporate animal products they consider sustainable and ethical. Consult your doctor for more information about these health trends or for guidance in setting your own health goals for the year. UNDERSTANDING KIDNEY HEALTH March is National Kidney Month, making it a great time to take charge of your health by lowering your chances of developing kidney disease. Kidneys filter blood to remove waste products and excess water, creating urine. They also produce vital hormones that help create red blood cells, promote bone health and regulate blood pressure. The National Kidney Foundation reports that 1 in 3 adults are at risk for kidney disease. Kidney disease is the 9th leading cause of death in the United States. Today, 14% of adults are affected by kidney disease—and 90% of them don’t know it. Most won’t have symptoms unless their kidneys fail. There are some physical signs of kidney disease, but most people attribute them to other conditions. Here are risk factors for kidney disease: • Diabetes • Family history of kidney disease • Heart disease • High blood pressure • Excess weight • Smoking Taking care of your kidneys is essential because they work continuously to keep your body healthy. Regular testing can help detect early signs of kidney issues, while limiting over‑the‑counter pain relievers reduces the risk of kidney damage. Healthy habits, such as daily exercise, plant-based protein and hydration, support kidney function and can help protect your kidneys for the long term. Contact your doctor for more information about kidney health and warning signs of kidney disease. 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 New Federal Transparency Requirements and updated model HIPAA Privacy Notices for Part 2 Records. NEW FEDERAL TRANSPARENCY REQUIREMENTS FOR PBMS On Feb. 3, 2026, the Consolidated Appropriations Act (CAA) of 2026 was signed into law, a funding package containing significant reforms for the pharmaceutical benefit manager (PBM) industry. As background, health plans generally rely on PBMs to process prescription drug claims, design pharmacy networks and negotiate rebates from drug manufacturers. In recent years, the PBM industry has faced growing scrutiny amid questions from stakeholders regarding a lack of transparency and certain practices, such as retaining a share of drug manufacturer rebates. To address these growing concerns, the CAA creates the following new disclosure requirements, effective for plan years beginning on or after Aug. 3, 2028: • PBMs must provide group health plans and health insurance issuers with detailed drug spending data at least twice per year, or quarterly if requested. PBMs must also supply drug spending summary documents that health plans can share with participants upon request. • Each year, health plans must provide participants and beneficiaries with a written notice explaining that their PBM is required to submit prescription drug spending reports. In addition, in order for their contracts to be considered reasonable under the Employee Retirement Income Security Act, PBMs must pass on 100% of all rebates, fees, alternative discounts and other remuneration to health plans and issuers. This change is also effective for plan years beginning on or after Aug. 3, 2028. Separately, the U.S. Department of Labor announced on Jan. 28, 2026, a proposed rule that would establish new PBM fee-disclosure obligations, further underscoring the federal government’s increasing focus on regulatory oversight of the industry. HHS UPDATES MODEL HIPAA PRIVACY NOTICES FOR PART 2 RECORDS On Feb. 13, 2026, the U.S. Department of Health and Human Services (HHS) released updated model Notices of Privacy Practices (Privacy Notices) under the Health Insurance Portability and Accountability Act (HIPAA) for health plans and health care providers to use. HIPAA-covered entities must update their Privacy Notices if they receive or maintain patient records regarding substance use disorder (SUD) treatment provided by a federally assisted treatment program (i.e., a “Part 2 program”). The deadline for making this update was Feb. 16, 2026. As background, Part 2 is a federal law that protects the confidentiality of patient records for individuals receiving services for SUDs, which are called Part 2 records. A final rule issued by HHS in April 2024 requires covered entities to update their HIPAA Privacy Notices if they receive or maintain Part 2 records. The updated Privacy Notices must address how the covered entity may use and disclose Part 2 records, the entity’s responsibilities with respect to the records and individuals’ privacy rights. According to HHS, its updated model Privacy Notices reflect the changes for Part 2 records. Employers with self-insured health plans should ensure their HIPAA Privacy Notices are updated for the new privacy requirements for Part 2 records. Employers with fully insured health plans that have access to protected health information should also ensure their HIPAA Privacy Notices are updated for the new requirements. Health plans that use HHS’ model Privacy Notice should customize it by entering their own information. Provided to you by MFC Benefits, LLC © 2026 Zywave, Inc. All rights reserved Download the PDF copy here. Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx Link: http://chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://content.zywave.com/file/b6f7a224-b3a3-4409-a8f2-953f0994d66a/Benefits%20Buzz%20Newsletter%20January%202024.docx

Learn more about eating real food, vitamin D supplements, and winter self-care tips. EATING REAL FOOD Nutrition is the foundation of health, influencing disease prevention and overall well-being. Dietary habits can shape long-term health outcomes. The Dietary Guidelines for Americans, 2025-2030, reflects the latest in nutrition science and public health needs, marking what public health officials describe as the most “significant reset” of federal nutrition policy in decades. At its core, the new dietary guidance emphasizes a simple directive: “Eat real food.” The 2025-2030 guidelines define real food as whole, nutrient-dense and naturally occurring, placing it back at the center of Americans’ diets. Here are some major changes to the guidelines from the previous recommendations: • The New Pyramid —The latest update features an inverted pyramid that places meats, cheese and vegetables in the widest part at the top, reversing a long-standing visual representation of the American diet and shifting away from the circular MyPlate image. This flexible framework is designed to guide better choices, rather than dictating specific meals. • Ultra-processed foods (UPFs) —For the first time, the guidelines specifically call out UPFs. Americans are advised to avoid packaged and ready-to-eat foods that are salty or sweet (e.g., chips, cookies and candy) and limit foods and beverages with artificial flavors, dyes, preservatives and sweeteners. • Protein —The new guidelines prioritize protein at every meal, with a goal to get 1.2 to 1.6 grams per kilogram of a person’s body weight daily, nearly double the previous advice. Americans are encouraged to obtain their protein from both animal sources (e.g., eggs, poultry, seafood and red meat) and plant-based sources (e.g., beans, peas, lentils, legumes, nuts, seeds and soy). • Dairy —The updated version prioritizes full-fat dairy with no added sugars, marking a major shift from the long-standing recommendation for fat-free or low-fat milk and yogurt. • Added sugars —The guidelines note that no amount of added sugar is healthy. As such, adults should limit their intake to no more than 10 grams per meal, and no amount of added sugar is suitable for children aged 5 to 10. • Alcohol —The general recommendation now is to simply limit alcohol consumption without providing exact figures. To learn more about the new dietary guidelines, visit RealFood.gov. Individuals should consult with their health care provider for personalized guidance. UNDERSTANDING VITAMIN D SUPPLEMENTS Vitamin D is especially important during the winter because reduced sunlight exposure limits the body’s ability to produce it naturally, increasing the risk of deficiency. This nutrient plays a critical role in maintaining strong bones and teeth by aiding calcium absorption, supports immune function to help fight seasonal illnesses and regulates mood. Since shorter days and colder weather make sun exposure difficult, incorporating vitamin D-rich foods or supplements becomes essential for overall health during the winter months. Doctors and pharmacists often recommend D3 to individuals who need vitamin D supplements. Forms of these supplements include capsules, gummies, liquid products, powders, and dissolving tablets. It’s important to purchase high-quality supplements that have been independently tested. While dietary supplements, including vitamin D3, can be beneficial, they can cause harm when used unnecessarily. It’s possible to get too much vitamin D. When you overdose, calcium builds up in your blood. This condition, known as hypercalcemia, can cause nausea, vomiting, weakness, decreased appetite, constipation and frequent urination. Vitamin D toxicity also has the potential to progress to irregular heart rhythms, kidney stones and even kidney failure. The Food and Drug Administration recommends that all consumers consult their doctor or pharmacist before taking supplements. WINTER SELF-CARE TIPS Amid the chill of winter and shorter days during the colder months, it’s crucial to prioritize self-care. Winter brings unique challenges, but you can thrive during this season with the right self-care practices. Such rejuvenating winter habits can leave you feeling cozy, refreshed and ready to conquer the cooler days ahead. Try these self-care tips: • Prioritize hydration. The dry air can take a toll on your skin and overall well-being, so be sure to stay hydrated. • Nourish your body with seasonal foods . Opt for nourishing, seasonal foods (e.g., sweet potatoes and Brussels sprouts) that support your immune system and provide comfort. • Move your body . Maintaining an active lifestyle is vital to well-being, even during winter. Indoor exercises, winter sports or even a brisk walk in the cold air can invigorate your body and mind. • Ensure sufficient rest. The longer nights of winter provide an excellent opportunity to prioritize sleep. Create a relaxing bedtime routine and strive for at least seven hours of sleep each night. • Create a cozy sanctuary. Enhance your living space with elements that promote warmth and relaxation, such as soft blankets, scented candles or diffusers. • Embrace outdoor activities. Even in small doses, fresh air and sunlight can do wonders for your mental health. • Establish a relaxing evening routine . A consistent evening routine can help signal to your body that it’s time to wind down, promoting restful sleep. Keep in mind that self-care is an ongoing process, and finding what works best for your mind and body is key to a fulfilling and balanced winter season. These tips are simply a starting point. 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.