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DoNoHarm.exe: The Liability Reckoning for AI in U.S. Healthcare

… for coordinated coverage of incidents that span operational, software, and compliance fault lines. AI Liability Endorsements: Add-ons that extend professional liability coverage to include acts, errors, or omissions arising from approved AI tools, sometimes limited to tools that meet validation or certification thresholds. Vendor-Insured Contract Models: Risk transfer arrangements in which AI vendors are contractually required to carry their own E&O or product liability coverage, with indemnity clauses favoring the healthcare client. These emerging structures reflect a recognition that the traditional “siloed” approach to liability, clinical, administrative, technological, no longer reflects how modern care is delivered. As …

https://www.epicbrokers.com/insights/donoharm-exe/

The Billion-Dollar Build: Insuring the Megaproject Era

… factors like labor shortages, regulatory uncertainty, and commodity pricing volatility. From 2018 to 2023, steel prices alone have swung over 70%, putting severe stress on planned budgets. Most of these projects rely on a maze of anywhere between 100 and up to 300 subcontractors. One missed deadline or safety incident can ripple through a billion-dollar schedule. We’ve observed the fragility of these arrangements during COVID-19 and its aftermath, where just-in-time delivery models clashed with real-world material shortages. We’re seeing rising demand for: Builder’s risk policies with broader delay and soft cost extensions

https://www.epicbrokers.com/insights/the-billion-dollar-build/

Updates to 2026 FSA Limits Released

Quick Facts On October 9, 2025, the Internal Revenue Service (IRS) released IRS Revenue Procedure 2025-32, which updates maximum limits for health flexible spending arrangements (FSAs) and commuter benefits. These limits are adjusted annually for inflation. Limits for Dependent Care Assistance Programs (DCAP) are not addressed in the IRS guidance; however, the One Big Beautiful Bill (OBBB), signed in July 2025, updated these limits starting in 2026 Background Through Revenue Procedure 2025-32, the Internal Revenue Service (IRS) updates a variety of 2026 adjusted tax limits. Among other things, the notice indicates that employee contribution limits toward health FSAs …

https://www.epicbrokers.com/insights/updates-2026-fsa-limits-released/

Compliance Matters Newsletter | September 2025

… that enforces HIPAA. The HIPAA Privacy Rule establishes national standards to protect individually identifiable health information, sets limits and conditions on the uses and disclosures of protected health information (PHI), and gives individuals certain rights, including the right to timely access to health records and the right to obtain a copy of their health records. The updated HIPAA FAQs address how covered health care providers are permitted to disclose PHI to value-based care arrangements for treatment purposes, and what health information is included in a designated record set and thus subject to the individual’s right to access such

https://www.epicbrokers.com/insights/compliance-matters-newsletter-september-2025/

The One Big Beautiful Bill Impacts Employer-Sponsored Health & Welfare Programs

Quick Facts On July 4, 2025, President Trump signed the One Big Beautiful Bill (the Bill) into law. The final version of the signed legislation incorporates many provisions of the House version but also includes some provisions unique to the Senate version. The Senate version of the Bill eliminated many key provisions of the House version related to increased flexibility for health savings accounts (HSAs) and updates to Individual Health Care Reimbursement Arrangements (ICHRAs). The Departments will be busy with the rulemaking required to implement this new legislation over the next several months. Introduction On July 4, 2025, President Trump …

https://www.epicbrokers.com/insights/one-big-beautiful-bill-act/

Compliance Matters Newsletter | July 2025

… 31, 2025. Fully insured plan sponsors can rely on their carriers to submit the fee on their behalf, but fully insured plan sponsors that sponsor a self-funded plan component, such as a health reimbursement arrangement (HRA), will need to file and pay for the self-funded component plan. Payment amounts due in 2025 will differ based on the employer’s plan year. The Internal Revenue Service (IRS) provides a chart showing applicable fee amounts depending on the plan’s year-end date. The fees due in July 2025 are as follows: $3.22 per covered life for plan …

https://www.epicbrokers.com/insights/compliance-matters-newsletter-july-2025/

Compliance Matters Newsletter | June 2025

… than July 31, 2025. Fully insured plan sponsors can rely on their carriers to submit the fee on their behalf, but fully insured plan sponsors that sponsor a self-funded plan component, such as a health reimbursement arrangement (HRA), will need to file and pay for the self-funded component plan. Payment amounts due in 2025 will differ based on the employer’s plan year. The Internal Revenue Service (IRS) provides a chart showing applicable fee amounts depending on the plan’s year-end date. The fees due in July 2025 are as follows: $3.22 per covered life …

https://www.epicbrokers.com/insights/compliance-matters-newsletter-june-2025/

Compliance Matters Newsletter | March 2025

… Issues Publication 969 The Internal Revenue Service (IRS) annually reviews and periodically updates Publication 969. This document provides general information about the taxation rules associated with health savings accounts (HSAs), medical savings accounts (MSAs), health flexible spending arrangements (FSAs) and health reimbursement arrangements (HRAs). The most current version is now available on the IRS website to be used in preparing individuals’ 2024 tax returns. Updated ERISA Civil Penalties The Department of Labor (DOL) recently released updated penalty amounts for violations under the Employee Retirement Income Security Act (ERISA). The updated penalties were published in the Federal Register on January …

https://www.epicbrokers.com/insights/compliance-matters-newsletter-march-2025/