Benefit Buzz - December 2025

Learn more about the power of gratitude, combatting tech neck, and adjusting to daylight savings time. THE POWER OF GRATITUDE AND POSITIVE THINKING It can be easy to get caught up in everyday stress and negativity. However, practicing gratitude can be a powerful tool to improve mental health. Gratitude involves recognizing and appreciating life’s positive aspects. By focusing on what one has rather than what one lacks, gratitude helps shift the mindset to a more positive and resilient state. Gratitude is similar yet different from appreciation. The American Psychological Association defines gratitude as “a sense of happiness and thankfulness in response to a fortunate happenstance or tangible gift.” Gratitude encourages individuals to savor the present moment and acknowledge the good in their lives, no matter how small. This positive focus can lead to a more optimistic outlook and stronger relationships. It also encourages resilience, the ability to bounce back from setbacks more quickly. Similarly, gratitude instills a sense of control over emotions, enabling calmer and more effective responses to stressors. A positive outlook doesn’t mean ignoring life’s challenges; rather, it means approaching them with a constructive and hopeful attitude. Ways to Practice Gratitude Regularly acknowledging what you’re grateful for can cultivate a sense of contentment. Starting small and being consistent can make a significant difference. Consider these tips to get started: • Keep a gratitude journal, writing down things you’re grateful for and reflecting on why they’re meaningful to you. • Try gratitude affirmations to reinforce positive thinking. Instead of writing down what you’re grateful for, repeat it to yourself daily. • Express thanks to others, sharing why you’re grateful for them or how they’re positively impacting your life. • Embrace mindful moments by pausing to appreciate the beauty or the good around you, such as a sunny day or a kind gesture. • Take a walk and consciously notice things you’re grateful for in your surroundings. Then, reflect on how they enhance your life. Remember, gratitude is a journey; every small step can lead to a more positive and fulfilling life. COMBATTING TECH NECK While not an official medical diagnosis, “tech neck” has become a familiar phrase. As smartphones, laptops and tablets have become everyday tools, people spend more time hunched over screens. The result is a growing number of individuals reporting stiffness, discomfort and pain in their neck and shoulders. Tech neck refers to the strain placed on the cervical spine (the part of the spine in the neck) when a person consistently looks down at a device or sits in poor posture while using technology. The good news is that tech neck is preventable and manageable. A few small changes in daily habits can make a big difference, so consider these tips: • Improve ergonomics . Set up your workstation to reduce unnecessary strain. Position your computer monitor so the top of the screen is at or just below eye level. Sit in a chair that supports your back, with feet flat on the floor and shoulders relaxed. • Follow the 20-20-20 rule . Every 20 minutes, look at something 20 feet away for at least 20 seconds. This not only eases eye strain but also encourages you to reset your posture. • Strengthen and stretch . Encouraging short stretch breaks (e.g., chin tucks, neck stretches and shoulder blade squeezes) during the workday can be particularly effective in preventing long-term strain. • Mind your phone habits . When checking your phone, bring the device up to your eyes rather than bending your head down. Contact a doctor if tech neck symptoms persist or worsen. Physical therapy, massage or exercise programs can help address severe discomfort. ADJUSTING TO DAYLIGHT SAVING TIME Most of the United States shifts between standard and daylight saving time (DST) each year in an effort to “save” natural light. Clocks will get set one hour back on Sunday, Nov. 2, when the DST period ends. Although you may be excited about gaining another hour in your day, the disruption of DST can wreak havoc on your physical and cognitive health for several days, weeks or even months. Your internal clock regulates critical processes, including the immune system. Interruptions to the circadian rhythm, your body’s 24-hour cycle that regulates wake and sleep, can also impair your focus and judgment. If your area follows DST, consider these tips to help adjust to the time change: • Exercise in the morning to increase your wakefulness and reset your internal clock. • Prioritize daylight exposure to help preserve your circadian rhythm. • Keep a regular sleep routine and aim for seven to nine hours of sleep each night. • Remove sleep disturbances (e.g., excess amounts of alcohol, caffeine and blue light exposure) a couple of hours before bedtime. While you may be tempted to use the bonus hour to indulge in various activities, health experts recommend using that time for sleep. To help make the DST transition easier, consider going to bed 15 to 20 minutes early in the days beforehand to help your body get used to the difference. If you have specific concerns, talk to your health care provider. 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. © 2025 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about IRS releasing Health FSA, qualified transportation limits for 2026 and deadline for updating HIPAA Privacy Notices. IRS RELEASES HEALTH FSA AND QUALIFIED TRANSPORTATION LIMITS FOR 2026 On Oct. 9, 2025, the IRS released Revenue Procedure 2025-32 (Rev. Proc. 25-32), which includes 2026’s inflation-adjusted limits for health flexible spending accounts (FSAs). For plan years beginning in 2026, the adjusted dollar limit on employees’ pre-tax contributions to health FSAs increases to $3,400 . This is a $100 increase from the 2025 limit of $3,300. As background, the Affordable Care Act (ACA) imposes a dollar limit on employees’ salary reduction contributions to health FSAs. This limit started at $2,500 for plan years beginning on or after Jan. 1, 2013, and has been adjusted for inflation for subsequent plan years. Employers should ensure their health FSAs will not allow employees to make pre-tax contributions over $3,400 for the 2026 plan year. As an exception to the use-or-lose rule, employers with health FSAs may allow employees to carry over a certain amount of funds remaining at the end of a plan year to reimburse eligible expenses incurred in the plan year immediately following. The maximum carryover amount is adjusted annually for inflation. For 2026, Rev. Proc. 2532 increases the maximum carryover limit to $680 (from $660 for 2025). In addition, Rev. Proc. 25-32 includes cost-of-living adjustments for qualified transportation fringe benefits for 2026. Federal tax law allows employers to offer qualified transportation benefit programs to their employees on a tax-free basis, subject to a maximum monthly amount. Both employee pre-tax salary deferrals and employer-paid benefits, if any, count toward the maximum amount. For 2026, the combined monthly limit for transportation in a commuter highway vehicle and a transit pass increases to $340 , up from $325 in 2025. The monthly limit in 2026 for qualified parking also increases to $340 from $325. DEADLINE FOR UPDATING HIPAA PRIVACY NOTICES IS APPROACHING The HIPAA Privacy Rule generally requires covered entities (health plans, health care providers and health care clearinghouses) to provide individuals with a Notice of Privacy Practices (or Privacy Notice) to ensure they understand how their protected health information (PHI) may be used and disclosed, as well as their rights with respect to PHI. A final rule issued by the U.S. Department of Health and Human Services (HHS) in April 2024 requires covered entities to 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 updating Privacy Notices for the additional privacy protections for Part 2 program records is Feb. 16, 2026 . Self-insured health plans must maintain and provide their own Privacy Notice at enrollment time, when there is a material change and upon request. Fully insured health plans that do not have access to PHI (other than enrollment and summary health information) are not required to maintain or provide a Privacy Notice. Fully insured health plans with access to PHI must maintain a Privacy Notice and provide it upon request. Employers that maintain Privacy Notices for their health plans should update them with the changes to SUD treatment records by Feb. 16, 2026. Employers with self-insured health plans should also distribute their updated Privacy Notices by this deadline. It is uncertain if HHS will update its model privacy notices to incorporate the new requirements before the compliance deadline. Provided to you by MFC Benefits, LLC © 2025 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 flu season, fast walking, and stocking a nutritious kitchen. WHAT TO KNOW ABOUT THIS FLU SEASON The influenza (flu) season in the United States lasts from October through May, with peak flu activity between December and March. The U.S. Centers for Disease Control and Prevention (CDC) estimates that 47 million to 82 million flu illnesses occurred during the 2024-25 season. Data suggested that flu activity was at its highest level in more than 15 years. Flu season in the Southern Hemisphere often indicates what’s to come in the United States. Data revealed higher hospitalizations during the 2025 flu season in the Southern Hemisphere. With the potential for this year’s flu season to be severe in the United States, vaccination remains the most effective way to prevent the flu, especially severe disease and hospitalization. How to Stay Healthy The flu can cause serious complications for people of any age, but children and older adults are especially vulnerable. To help keep your household healthy this flu season, consider these tips: • Get vaccinated. The CDC recommends that nearly everyone aged 6 months and older get a flu shot every year. • Avoid close contact with people who are sick and stay away from others when you feel unwell. Flu, cold and COVID-19 symptoms are similar, so doctors say it’s best to get tested to determine what you have. • Wash your hands often using soap and warm water. If those are unavailable, use an alcohol based hand sanitizer. • Cover your mouth and nose when coughing or sneezing. • Get seven to nine hours of quality sleep each night to boost your immune system. • Exercise regularly to strengthen your body and make it more resilient against infections. • Stay hydrated and eat a balanced diet. Experts recommend getting vaccinated against the flu by the end of October, so don’t delay getting your shot. Contact your doctor today to learn more. THE BENEFITS OF FAST WALKING While it’s recommended that people commit to 150 minutes of moderate activity per week to notice sufficient health benefits, a new study published in the American Journal of Preventive Medicine found that fast walking for just 15 minutes daily could have the same benefits. Study participants who fast walked for at least 15 minutes every day saw a nearly 20% reduction in premature death compared with a 4% reduction among participants who walked slowly for a total of more than three hours each day. Generally, you can tell you’re fast walking when you can talk but not sing. Remember to maintain good walking form by standing tall with your shoulders back and swinging your arms (in opposition to your foot movement). If you want to take it one step further, try nasal breathing (inhale and exhale through your nose) to help regulate blood pressure while walking. In addition to the study’s findings, consider the following benefits of walking, regardless of speed: • Weight maintenance • Reduced body fat • Increased cardiovascular fitness • Improved endurance • Higher energy levels • Better mood, memory and sleep • Strengthened immune system • Decreased stress To learn more about incorporating walking into your routine, talk to your doctor and discuss what works best for you. STOCKING A NUTRITIOUS KITCHEN You don’t need to master the art of meal planning to eat well during the week. It can be as simple as stocking your kitchen with mealtime building blocks. By keeping a well-rounded selection of pantry, fridge and freezer staples on hand, you can create balanced meals in minutes and avoid the temptation of less nutritious options. Consider the following nutritious items: • Canned chickpeas can easily be added to soups or mashed with seasonings for extra protein and fiber. • Chicken breast is a great protein to build a meal around. You could make pasta, soups, casseroles, sandwiches and more. • Extra-firm tofu is full of plant-based protein and calcium. Its neutral flavor makes it great for stir-fries and curries. • Quinoa or lentils are versatile options to round off meals. They are packed with fiber and protein. • Whole-wheat spaghetti is a great last-minute meal idea. It has a sizable dose of fiber and helps reduce cholesterol. • Frozen spinach is easily used in egg dishes, pasta and smoothies. It’s also packed with four times the nutrients of fresh spinach. By stocking your kitchen with nutritious staples, you’ll always have the tools to build meals that nourish your body and fit your lifestyle. 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. © 2025 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about Medicare Part D and Pay-or-Play penalties. MEDICARE PART D NOTICES ARE DUE BEFORE OCTOBER 15, 2025 Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services (CMS) whether the health plan’s prescription drug coverage is creditable. Plan sponsors must provide the annual disclosure notice to Medicare eligible individuals before Oct. 15, 2025 —the start date of the annual enrollment period for Medicare Part D. CMS has provided model disclosure notices for employers to use. This notice is important because Medicare beneficiaries who are not covered by creditable prescription drug coverage and do not enroll in Medicare Part D when first eligible will likely pay higher premiums if they enroll at a later date. Although there are no specific penalties associated with the notice requirement, failing to provide the notice may be detrimental to employees. Employers should confirm whether their health plans’ prescription drug coverage is creditable or non-creditable and prepare to send their Medicare Part D disclosure notices before Oct. 15, 2025. 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. In general, this actuarial determination measures whether the expected amount of paid claims under the group health plan’s prescription drug coverage is at least as much as the expected amount of paid claims under the Medicare Part D prescription drug benefit. The creditable coverage disclosure notice must be provided to Medicare Part D-eligible individuals who are covered by, or who apply for, the health plan’s prescription drug coverage. Medicare Part D-eligible individuals may include active employees, disabled employees, COBRA participants and retirees, as well as covered spouses and dependents. As a practical matter, plan sponsors often provide the creditable coverage disclosure notices to all plan participants. PAY-OR-PLAY PENALTIES WILL INCREASE FOR 2026 Applicable large employers (ALEs) that do not offer affordable, minimum-value (MV) health coverage to their full-time employees may be subject to increased penalties under the Affordable Care Act’s (ACA) employer mandate for 2026. ALEs are employers with 50 or more full-time employees (FTEs), including full-time equivalent employees, on business days during the preceding calendar y ear. 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: 1. 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 2026, the penalty increases to $3,340 (up from $2,900 for 2025); and 2. 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 2026, the penalty increases to $5,010 (up from $4,350 for 2025). However, the total penalty for an ALE is limited to the 4980H(a) penalty amount. Provided to you by MFC Benefits, LLC © 2025 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 being prepared for emergencies, UV Index, and combating the "September Scaries" 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, so make a plan for if you need to evacuate your home or get trapped inside for days. 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 five key steps to help you and your household prepare: 1. Know your risks. Understand the types of disasters most likely to affect your area. In the Midwest, tornadoes and floods are common. Coastal regions may face hurricanes, while the West Coast is more prone to earthquakes and wildfires. 2. Create a communication plan. Make sure every member of your household knows how to reach each other during an emergency. Choose an out-of-town contact person and establish meeting points in case you’re separated. 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. Know your local evacuation routes and shelters. Also, prepare for scenarios where you may need to stay inside your home for several days. Keep extra blankets, a manual can opener and entertainment for kids, if needed. 5. Include pets in your plan. Don’t forget your furry family members. Ensure you have food, water and any medications they need, and identify pet-friendly shelters in advance. Visit the Federal Emergency Management Agency’s (known as FEMA) website, Ready.gov, to learn more about preparing for emergencies at home, at work and on the road. 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 by understanding and using the UV index, a daily forecast that measures the strength of the sun’s UV radiation. The UV index is reported on a scale from 0 to 11+. The higher the 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. Here’s how to use the UV index proactively: • Check the index in the morning . Many weather apps and websites display the UV index alongside the daily forecast. • 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. • 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. • Watch for environmental amplifiers . Snow, sand, water and even pavement can reflect UV rays and increase your exposure. Checking the UV index as part of your daily routine can help you reduce your risk of sunburn, premature aging and skin cancer while still enjoying time outdoors. Contact your doctor for more information. COMBATING THE "SEPTEMBER SCARIES" As summer fades, individuals may experience a case of the “September Scaries,” emotional and psychological stress that occurs with the transition from summer to fall. This phenomenon can happen as kids return to school, work intensifies, the days get shorter and the holiday season looms. This seasonal transition disrupts routines and can trigger a sense of loss of freedom, sunshine and overall spontaneity. The return to rigid schedules and looming responsibilities may heighten stress, especially for those juggling work, family and other personal responsibilities. Consider these tips for managing stress during the seasonal transition: • Write down your worries . First, it’s important to understand what’s making you feel worried. Then, you can evaluate if it’s rational or not. • Establish routines . A routine can help you feel more in control and get you back on track for a solid season. Try to have some fun on the weekends, like making plans with friends, so you have something to look forward to. • Practice self-care . This transition is also a good time to reinforce healthy routines like sleep hygiene, nutrition and movement. This practice can help you feel more physically and mentally prepared to take on challenges. • Embrace seasonal changes . Enjoy fall activities, such as picking pumpkins and apples, hiking outdoors, baking with seasonal goods and watching the leaves change. If you have any concerns about your well-being, reach out to a mental health professional. 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. © 2025 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about the Pay-or-Play affordability percentage increase and DOL updates Model Employer CHIP Notice. PAY-OR-PLAY AFFORDABILITY PERCENTAGE WILL INCREASE FOR 2026 On July 18, 2025, the IRS released Revenue Procedure 2025-25 to index the contribution percentage in 2026 for determining the affordability of an employer’s health plan under the Affordable Care Act (ACA). For plan years beginning in 2026, employer-sponsored coverage will be considered affordable under the ACA’s “pay-or-play” rules if the employee’s required contribution for self-only coverage does not exceed 9.96% of their household income for the year. This is a significant increase from the affordability contribution percentage for 2025 (9.02%) and the highest this percentage has ever been. Applicable large employers (ALEs) will need to consider this affordability percentage in developing their health plan contribution strategies for the 2026 plan year. ALEs may be able to increase employees’ health coverage contributions for 2026 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. For 2026 plan years, an ALE’s health coverage will be considered affordable if the employee’s required contribution for self-only coverage under the employer’s lowest-cost plan does not exceed 9.96% of the employee’s household income. 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 UPDATES MODEL EMPLOYER CHIP NOTICE The U.S. Department of Labor (DOL) has released a new model employer Children’s Health Insurance Program (CHIP) notice with information that is current as of July 31, 2025. Federal law imposes an annual notice requirement on employers that maintain group health plans in states that provide premium assistance subsidies under a Medicaid plan or a CHIP plan. An employer can choose to provide the notice on their own or concurrent with the furnishing of: • Materials notifying the employee of health plan eligibility; • Open enrollment materials; or • The Summary Plan Description. An employer is subject to this annual notice requirement if their group health plan covers participants who reside in a state that provides a premium assistance subsidy, regardless of the employer’s location. The DOL’s model notice, which employers may use for this disclosure, is updated periodically to reflect changes in the states that offer premium assistance subsidies. The DOL’s model employer CHIP notice includes information that is current as of July 31, 2025. Employers could also choose to prepare their own notices or modify the model notice. Employers should be sure to include at least the minimum relevant state contact information for any employee residing in a state with premium assistance. Provided to you by MFC Benefits, LLC © 2025 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 taking care of yourself during national wellness month, understanding your cortisol levels, and medications that make it hard to handle the heat. TAKING CARE OF YOURSELF DURING NATIONAL WELLNESS MONTH National Wellness Month, recognized annually in August, is meant to encourage people to prioritize self-care, build healthy routines and support their physical, mental and emotional well-being. Wellness goes beyond physical health. It encompasses mental clarity, emotional resilience and a sense of balance in daily life. When we invest in our well-being, we're better equipped to handle stress, maintain relationships and perform at our best - both personally and professionally. This month is an opportunity to slow down and focus on the following key well-being components: Movement - You don't need a gym membership to stay active. Stretch in the morning, take the stairs or go for a walk during lunch. Movement boosts mood and energy. Nutrition - Fuel your body with whole foods, stay hydrated and avoid skipping meals. Even small changes, such as swapping soda for water, can make a big difference. Mindfulness - This skill involves focusing on being present. Try meditation apps, journaling or simply taking a few deep breaths during stressful moments. Self-care - It's important to take time each day to do something just for you. Whether it's reading, listening to music or having a cup of tea, self-care helps you recharge. Stress management - Identify your stress triggers and create healthy coping strategies. These could include setting boundaries, unplugging from screens or talking to a friend. You can start taking small steps now to prioritize both your body and mind. Over time, these habits build a foundation for a healthier, more balanced you. If you're struggling with any aspect of your wellness, seek help from health care professionals, including therapists, counselors or wellness coaches. They can provide tailored guidance and support for your personal needs. UNDERSTANDING YOUR CORTISOL LEVELS Cortisol levels continue to trend on social media as people want to understand energy levels, manage stress and boost their overall well-being. So, what exactly is cortisol? It's your body's primary stress hormone, helping regulate various functions, such as metabolism, blood sugar, blood pressure, immune response and energy. While it's normal for cortisol to fluctuate throughout the day (usually going up in the morning and slowly down during the day), consistently high or low levels can cause health issues. Ideal cortisol levels falls within a specific range that varies slightly based on the time of day and the type of test used. To get a better understanding of your cortisol levels, seek the advice of a medical professional who can administer a cortisol test that measures the cortisol in your blood, urine or saliva. Standard blood panels generally don't test for cortisol levels. Cortisol testing is usually ordered separately by a physician to learn more about your health conditions. Understanding how cortisol works can help you stay aware of potential symptoms that could indicate an imbalance. Talk to your doctor to learn more. MEDICATIONS THAT MAKE IT HARD TO HANDLE THE HEAT Commonly prescribed medications can impact people more in the heat, causing dehydration or sun sensitivity or limiting the body's ability to regulate body temperature. As such, these medications have heat intolerance, photosensitivity or similar documented side effects: Antibiotics and nonsteroidal anti-inflammatory drugs like ibuprofen may make you more sensitive to sun exposure, resulting in severe sunburn or rashes. Antidepressants can cause excessive sweating, dehydration and UV light sensitivity. They could also decrease sweat production, preventing the body from cooling down. Antihistamines can make your body produce less sweat, making it difficult to regulate body temperature in hot weather. Blood pressure medications can increase sweat production and dehydration. Sun exposure can cause a blood pressure dip, too. Decongestants like pseudoephedrine can decrease the blood flow to the skin, making it more difficult to sweat and regulate. Stimulants can increase your metabolic rate, impairing the body's ability to cool down. Keep in mind that the heat can also degrade certain medications like insulin, inhalers and EpiPens. The first sign of heat intolerance is feeling hot or uncomfortable. You may also experience headaches, dizziness, cramps, nausea or vomiting, weakness or flushed skin. If you experience heat-related symptoms, go inside immediately and try to cool down. In addition to monitoring for symptoms, it's important to stay hydrated, limit your exposure to direct sunlight and wear protective clothing. If you have questions about your medication or potential side effects, talk to your doctor. Also, don't discontinue taking any prescribed medications without consulting your doctor first. 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. © 2025 Zywave, Inc. All rights reserved. Download the PDF copy here.

Learn more about the OBBB Act and the Supreme Court upholding ACA's Preventative Care Mandate. OBBB ACT INCLUDES CHANGES FOR EMPLOYEE BENEFITS On July 4, 2025, President Donald Trump signed the "One Big Beautiful Bill Act" (OBBB Act) into law. The OBBB Act includes a variety of changes for employee benefit plans, most of which are effective for 2026. Key changes include the following: Health savings accounts (HSAs) - Effective Jan. 1, 2026, the OBBB Act allows individuals with direct primary care (DPC) arrangements to make HSA contributions if their monthly fees are $150 or less ($300 or less for family coverage). These dollar limits will be adjusted annually for inflation. A DPC arrangement is a subscription-based health care delivery model where an individual is charged a fixed periodic fee for access to medical care consisting solely of primary care services. In addition, the OBBB Act treats DPC fees as medical care expenses that can be paid using HSA funds. Telehealth exception for high deductible health plans (HDHPs) - The OBBB Act permanently extends the ability of HDHPs to provide benefits for telehealth and other remote care services before plan deductibles have been met without jeopardizing HSA eligibility. This extension applies to plan years beginning after Dec. 31, 2024. Dependent care assistance programs (DCAPs) - Effective Jan. 1, 2026, the OBBB Act increases the maximum annual limit for DCAPs from $5,000 to $7,500 ($3,750 for married individuals filing separately). The new limit is not adjusted for inflation going forward. Student Loan Assistance - The OBBB Act permanently extends the student loan payment option for education assistance programs and adjusts the annual $5,250 limit for inflation beginning in 2027. Trump Accounts - The OBBB Act creates a new type of tax-advantaged savings account for children, named Trump Accounts, effective for 2026. Employers may make tax-free contributions to the Trump Account of an employee's dependent of up to $2,500 (as adjusted annually for inflation beginning after 2027). SUPREME COURT UPHOLDS ACA'S PREVENTIVE CARE MANDATE On June 27, 2025, the U.S. Supreme Court upheld a key component of the Affordable Care Act's (ACA) preventive care mandate. As background, the ACA requires non-grandfathered health plans and health insurance issuers to cover a set of recommended preventive services without imposing cost-sharing requirements, such as deductibles, copayments or coinsurance, when the services are provided by in-network providers. The recommended preventive care services covered by these requirements include evidence based items or services with an A or B rating in the U.S. Preventive Services Task Force (USPSTF) recommendations. The plaintiffs in this case had religious objections to the ACA's preventive care mandate and challenged its legality on various grounds, including the USPSTF's recommendations being not constitutional because its members had not been validly appointed. The lower courts agreed with the plaintiffs; however, health plans and issuers were required to fully comply with the ACA's preventive care mandate without interruption while the lawsuit proceeded. The Supreme Court reversed the lower court's decision and upheld the constitutionality of the USPSTF's recommendations. Due to the Court's ruling, the ACA's preventive care mandate remains in full effect and health plans and issuers are required to continue covering the entire range of recommended preventive care services without cost sharing. Provided to you by MFC Benefits, LLC © 2025 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 safe grilling tips, first-aid kit essentials and understanding the label on your sunscreen. GRILLING SAFETY TIPS Although grilling is a popular way to prepare food, it can also be dangerous. According to the National Fire Protection Association, an average of 9,000 home fires involve grills, hibachis or barbecues each year. May, June, July and August are the most active months for grill fires, with July being the top month. Some 4 million outdoor grills are used across the United States on any given summer day. Keep these 10 fire safety tips in mind when grilling: 1. Keep your grill at least 10 feet away from other objects, including your house, decks, outdoor seating and overhanging branches. 2. Set up the grill on a flat surface, and don’t bring it into an unventilated or enclosed space (e.g., garage or porch). This is not only a major fire hazard but also a carbon monoxide hazard. 3. Check the connection between the propane tank and the fuel line before using a gas grill to ensure it’s not leaking and is working properly. 4. Turn off the gas if you suspect that your gas grill is leaking, and get the unit fixed before lighting it. Never use a match to check for leaks. 5. Turn off the grill and the gas if your propane grill’s flame goes out, and wait at least five minutes before relighting the grill. 6. Only use starter fluid with charcoal grills— never with gas grills. 7. Keep children and pets at least 3 feet away from the area until the grill is completely cool. 8. Never leave your grill unattended while in use. 9. Avoid overloading the grill, as too much fat dripping at once can cause flare-ups. 10. Clean the grates and trays regularly to remove grease and fat buildup. Not only can grills start fires, but they can also cause burns. Exercise caution as you flip food on the grill to ensure your hands and arms do not get burned. Additionally, be sure to use long-handled utensils to help keep your hands at a safe distance from the flames. Overall, practicing vigilance and taking proper precautions while grilling can help reduce fires and associated burn injuries. FIRST-AID KIT ESSENTIALS Summer is synonymous with adventure and outdoor fun. Whether exploring a park, swimming, hiking a trail or road-tripping, having a first-aid kit can make all the difference in an emergency. A well-stocked first-aid kit can help you respond quickly and effectively to common injuries. Keep at least one first-aid kit in your home and your vehicle. Consider stocking these basic first-aid kit supplies: • Bandages of various sizes • Elastic bandage wrap • Flashlight and batteries • Hydrogen peroxide • Instant hot and cold packs • Scissors • Sterile gauze pads and tape • Thermometer • Tweezers Additionally, you can stock your kit with over-the-counter items, such as aloe vera gel, antihistamines, hydrocortisone cream, pain and fever medications, and sunscreen. Ongoing, remember to check the expiration dates and make sure you haven’t used up items and need replacements. UNDERSTANDING THE LABEL ON YOUR SUNSCREEN Skin cancer is the most common cancer in the United States. Most cases of melanoma, the deadliest kind of skin cancer, are caused by exposure to ultraviolet (UV) light. The sun’s rays can damage your skin in as little as 15 minutes. While there are several steps you can take to limit your exposure to the sun, proper sunscreen selection and application are critical. The Environmental Working Group (EWG) analyzed more than 2,200 sunscreens available for purchase in 2025. The EWG report revealed that just one-fourth of sunscreens on store shelves provide safe and effective protection. Remember that not all sunscreens are created equal, so it’s about finding the one you need for the specific weather and activity. Sunscreen labels must follow specific guidelines, so here’s what they exactly mean: • Broad-spectrum protection works against UVA (skin cancer and premature aging) and UVB (sunburn rays). • SPF is the level of protection against UVB rays. Experts recommend using sunscreen with an SPF value of at least 30. • Water-resistant sunscreen needs to be reapplied, depending on the brand, after 40 or 80 minutes of swimming or excessive swimming. • Sunscreens maintain their full strength for three years but always check the expiration date . Routinely inspect your skin for any spots or changes in color or appearance. If you have any concerns, talk to your doctor. 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. © 2025 Zywave, Inc. All rights reserved. Download the PDF copy here.