The New NJ Medicaid Employer ‘Tax’: Is Your Business Ready for the Per-Person Fee?

Ed MacConnell

If you are a business owner in New Jersey, the legislative landscape just shifted beneath your feet. On Tuesday night, June 30, Governor Mikie Sherrill signed a piece of legislation that moved through Trenton with remarkable speed. As part of the FY27 budget package, Assembly Bill A5324 (and its Senate counterpart S4533) officially established a new "Employer Health Care Contribution Assessment." At Total Benefit Solutions Inc, we don't believe in sugarcoating regulatory changes. This is essentially a new "Medicaid Tax" on employers whose workers rely on state-funded health insurance. While the state aims to raise approximately $145 million to offset Medicaid costs, the administrative and financial burden on New Jersey… Read More

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Medicare Secondary Payer Rules: A Quick-Start Guide for Employers with 65+ Staff

Ed MacConnell

As we move further into 2026, the landscape of the American workforce continues to shift. More than ever, we are seeing valued team members choose to work well past the traditional retirement age of 65. While having that experience and institutional knowledge on your team is a massive win for your business, it does introduce a specific layer of complexity regarding your employee benefits strategy. The biggest question we get here at Total Benefit Solutions Inc is often some variation of: "My top salesperson just turned 65. Do they have to go on Medicare, and who pays their medical bills first?" The answer lies within the Medicare Secondary Payer (MSP)… Read More

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ACA Employer Mandate penalties are the highest ever

Ed MacConnell

ACA Employer Mandate penalties are the highest they have been since passage of the ACA. Here is a quick refresher for appliable large employers (or those close to hitting the 50 FTE threshold) on determining ALE status and tracking hours of its employees.

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New legislation expands benefit accounts

Aris Herrera

Here’s what you need to know about HSA and DC-FSA changes. New legislation in the H.R.1 Bill, more commonly known as the One Big Beautiful Bill Act (OBBBA), expanded the rules around Health Savings Accounts (HSAs), including enrollment eligibility and eligible expenses, and Dependent Care Flexible Spending Accounts (DC-FSAs). Most changes will go into effect Jan. 1, 2026, however one change regarding telehealth services is retroactively effective to Jan. 1, 2025.  As a result of this legislation, regulatory guidance will be issued over the next few months, and HSA Bank’s forms, educational resources and more will be updated to reflect these changes. In the meantime, use this summary and guidance… Read More

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