Title: Insights on Health Plan Strategy Source: https://ethosbenefits.com/insights Publisher: Ethos Benefits Summary: Commentary for employers on health plan cost, fiduciary duty, ERISA litigation, PBM reform and compliance, from the Ethos Benefits advisory team. 1. [Home](https://ethosbenefits.com/) 2. Insights # Insights. What is changing for your plan. Commentary for employers on health plan cost, fiduciary duty, litigation, pharmacy and compliance. Every piece names its author and its sources. [Pinned · Updated November 12, 2026 · 17 cases **Health plan litigation tracker** Every employer health plan case we follow: what was alleged, why it matters to your plan and where it stands.](https://ethosbenefits.com/insights/erisa-health-plan-litigation) ## All insights [Benefits 101](https://ethosbenefits.com/benefits-101) - [Nov 12 2026 **Choosing an employee benefits broker** Fiduciary duty and advisor pay · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/choosing-an-employee-benefits-broker) - [Nov 12 2026 **How employers can lower healthcare costs** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/how-to-lower-healthcare-costs) - [Nov 12 2026 **The Consolidated Appropriations Act of 2021** Compliance rules and deadlines · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/consolidated-appropriations-act-2021) - [Nov 12 2026 **Why is health insurance so expensive?** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/why-is-health-insurance-so-expensive) - [Nov 12 2026 **Your health insurance renewal increase** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/health-insurance-renewal-increase) - [Nov 2 2026 **Transparency in Coverage final rule** Compliance rules and deadlines · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/transparency-in-coverage-final-rule) - [Oct 14 2026 **The 2027 maternity billing changes** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/2027-maternity-billing-changes) - [Oct 13 2026 **How to vet benefits vendors** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/how-to-vet-benefits-vendors) - [Oct 1 2026 **The multi-cancer early detection test** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/multi-cancer-early-detection-test) - [Sep 29 2026 **GLP-1 coverage decisions for 2027** Pharmacy and PBMs · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/glp-1-coverage) - [Sep 28 2026 **The benefits dirty dozen** Fiduciary duty and advisor pay · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/benefits-dirty-dozen) - [Sep 10 2026 **The employer healthcare coalition** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/employer-healthcare-coalition) - [Aug 25 2026 **When a vendor trains AI on claims data** Compliance rules and deadlines · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/health-plan-data-privacy-ai) - [Aug 19 2026 **Health plan claims data access** Compliance rules and deadlines · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/health-plan-claims-data-access) - [Jul 30 2026 **The Department of Labor audit** Fiduciary duty and advisor pay · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/department-of-labor-audit) - [Mar 25 2026 **Employee benefits trends for 2027** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/employee-benefits-trends) - [Aug 20 2025 **PBM reform is now law** Pharmacy and PBMs · Chelsea Ryckis _Insight_](https://ethosbenefits.com/insights/pbm-reform) - [Jul 10 2025 **What OBBBA changed for employer health plans** Compliance rules and deadlines · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/obbba-employer-health-plans) - [May 6 2025 **A CFO's fiduciary playbook** Fiduciary duty and advisor pay · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/cfo-fiduciary-playbook) - [Apr 5 2025 **Tennessee SB 420 and HB 870** Compliance rules and deadlines · Meghan Anderson _Insight_](https://ethosbenefits.com/insights/tennessee-sb-420) - [Jan 24 2025 **AI in employee benefits** Benefits strategy and administration · Meghan Anderson _Insight_](https://ethosbenefits.com/insights/ai-in-employee-benefits) - [Jan 7 2025 **Your health plan renewal timeline** Benefits strategy and administration · Meghan Anderson _Insight_](https://ethosbenefits.com/insights/health-plan-renewal-timeline) - [Mar 29 2024 **Common invoice issues and evidence of insurability** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/evidence-of-insurability-invoice-issues) - [Mar 20 2024 **ERISA health plan litigation** Fiduciary duty and advisor pay · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/erisa-health-plan-litigation) - [Mar 12 2024 **The downside of vertical integration in healthcare** Pharmacy and PBMs · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/vertical-integration-in-healthcare) - [Mar 4 2024 **Don't make this one mistake when benchmarking your health plan** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/health-plan-benchmarking-mistake) - [Dec 28 2023 **Mark Cuban's call** Pharmacy and PBMs · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/mark-cuban-wake-up-call-for-employers) - [Nov 15 2023 **What happens behind the scenes with your health insurance?** Benefits strategy and administration · Donovan Ryckis _Insight_](https://ethosbenefits.com/insights/what-happens-behind-the-scenes-with-your-health-insurance) ## Browse by topic - [**Compliance rules and deadlines** 6 insights](https://ethosbenefits.com/topics/compliance) - [**Pharmacy and PBMs** 4 insights](https://ethosbenefits.com/topics/pharmacy) - [**Fiduciary duty and advisor pay** 5 insights](https://ethosbenefits.com/topics/fiduciary-duty) - [**Benefits strategy and administration** 13 insights](https://ethosbenefits.com/topics/benefits-strategy) [Glossary, A to Z](https://ethosbenefits.com/benefits-101/glossary) · [Everything in Learn](https://ethosbenefits.com/learn) ## Next deadline - December 31, 2026 [Gag clause attestation](https://ethosbenefits.com/benefits-101/gag-clause-attestation) - March 2, 2027 [Forms 1095-B and 1095-C to employees](https://ethosbenefits.com/benefits-101/aca-reporting) ## Watch and listen [Documentaries](https://ethosbenefits.com/documentaries) · [Podcast](https://ethosbenefits.com/podcast) · [Events and webinars](https://ethosbenefits.com/events) ## See what your plan is really costing you. A Strategic Analysis starts with your plan documents and your broker agreement, then shows you what your plan costs, where the risk sits, and what a committee would decide with the full picture. [Request a Strategic Analysis](https://ethosbenefits.com/strategic-analysis) [Call (407) 803-4710](tel:+14078034710)