Title: Learn: Employer Health Plan Guides Source: https://ethosbenefits.com/learn Publisher: Ethos Benefits Summary: Plain-English guides for employers on ERISA, ACA reporting, self-funding, stop-loss, PBMs and fiduciary duty, plus Ethos documentaries, webinars and commentary. 1. [Home](https://ethosbenefits.com/) 2. Learn # What do you need to know about your plan? 53 guides and 28 insights for employers. Every answer names its source and its reviewer. ## Documentaries produced by Ethos Benefits [All films](https://ethosbenefits.com/documentaries) [It's not personal. It's just ~business.~ Healthcare. Documentary, 2024. Produced by Ethos Benefits **It's Not Personal, It's Just Healthcare** How employer health plans are priced, and who pays. Watch the trailer](https://ethosbenefits.com/documentaries/its-not-personal-its-just-healthcare)[![Side Effects May Include: the hidden costs of prescription drugs](https://ethosbenefits.com/assets/photos/doc-side-effects.jpg) Documentary, 2025. Produced by Ethos Benefits **Side Effects May Include** The hidden costs of prescription drugs, and who pays for them. Watch the trailer](https://ethosbenefits.com/documentaries/side-effects-may-include) ## Most recent [All guides](https://ethosbenefits.com/benefits-101) · [All insights](https://ethosbenefits.com/insights) - [Nov 12 2026 **Choosing an employee benefits broker** Fiduciary duty and advisor pay _Insight_](https://ethosbenefits.com/insights/choosing-an-employee-benefits-broker) - [Nov 12 2026 **How employers can lower healthcare costs** Benefits strategy and administration _Insight_](https://ethosbenefits.com/insights/how-to-lower-healthcare-costs) - [Nov 12 2026 **The Consolidated Appropriations Act of 2021** Compliance rules and deadlines _Insight_](https://ethosbenefits.com/insights/consolidated-appropriations-act-2021) - [Nov 12 2026 **Why is health insurance so expensive?** Benefits strategy and administration _Insight_](https://ethosbenefits.com/insights/why-is-health-insurance-so-expensive) - [Nov 12 2026 **Your health insurance renewal increase** Benefits strategy and administration _Insight_](https://ethosbenefits.com/insights/health-insurance-renewal-increase) - [Nov 2 2026 **Transparency in Coverage final rule** Compliance rules and deadlines _Insight_](https://ethosbenefits.com/insights/transparency-in-coverage-final-rule) - [Oct 30 2026 **Broker of record letter** Fiduciary duty and advisor pay _Guide_](https://ethosbenefits.com/benefits-101/broker-of-record-letter) - [Oct 29 2026 **The summary of benefits and coverage** Compliance rules and deadlines _Guide_](https://ethosbenefits.com/benefits-101/summary-of-benefits-and-coverage) - [Oct 26 2026 **The health plan fiduciary committee** Fiduciary duty and advisor pay _Guide_](https://ethosbenefits.com/benefits-101/health-plan-fiduciary-committee) - [Oct 20 2026 **The gag clause attestation** Compliance rules and deadlines _Guide_](https://ethosbenefits.com/benefits-101/gag-clause-attestation) - [Oct 16 2026 **The year-end health plan compliance checklist** Compliance rules and deadlines _Guide_](https://ethosbenefits.com/benefits-101/year-end-health-plan-compliance-checklist) - [Oct 14 2026 **The 2027 maternity billing changes** Benefits strategy and administration _Insight_](https://ethosbenefits.com/insights/2027-maternity-billing-changes) - [Oct 13 2026 **How to vet benefits vendors** Benefits strategy and administration _Insight_](https://ethosbenefits.com/insights/how-to-vet-benefits-vendors) - [Oct 1 2026 **The multi-cancer early detection test** Benefits strategy and administration _Insight_](https://ethosbenefits.com/insights/multi-cancer-early-detection-test) - [Sep 29 2026 **GLP-1 coverage decisions for 2027** Pharmacy and PBMs _Insight_](https://ethosbenefits.com/insights/glp-1-coverage) - [Sep 28 2026 **The benefits dirty dozen** Fiduciary duty and advisor pay _Insight_](https://ethosbenefits.com/insights/benefits-dirty-dozen) - [Sep 17 2026 **Medicare Part D creditable coverage** Compliance rules and deadlines _Guide_](https://ethosbenefits.com/benefits-101/medicare-part-d-creditable-coverage) - [Sep 10 2026 **The employer healthcare coalition** Benefits strategy and administration _Insight_](https://ethosbenefits.com/insights/employer-healthcare-coalition) - [Aug 25 2026 **When a vendor trains AI on claims data** Compliance rules and deadlines _Insight_](https://ethosbenefits.com/insights/health-plan-data-privacy-ai) - [Aug 19 2026 **Health plan claims data access** Compliance rules and deadlines _Insight_](https://ethosbenefits.com/insights/health-plan-claims-data-access) - [Jul 30 2026 **The Department of Labor audit** Fiduciary duty and advisor pay _Insight_](https://ethosbenefits.com/insights/department-of-labor-audit) - [Jul 23 2026 **The ACA affordability safe harbor** ACA reporting _Guide_](https://ethosbenefits.com/benefits-101/aca-affordability-safe-harbor) - [Jul 17 2026 **PBM spread pricing** Pharmacy and PBMs _Guide_](https://ethosbenefits.com/benefits-101/pbm-spread-pricing) - [Jul 9 2026 **The Form 5500 deadline and extension** ERISA and plan documents _Guide_](https://ethosbenefits.com/benefits-101/form-5500-deadline) ## Browse by topic - [**ERISA and plan documents** 9 pages](https://ethosbenefits.com/topics/erisa) - [**ACA reporting** 7 pages](https://ethosbenefits.com/topics/aca-reporting) - [**Compliance rules and deadlines** 15 pages](https://ethosbenefits.com/topics/compliance) - [**Plan financing** 8 pages](https://ethosbenefits.com/topics/plan-financing) - [**Stop-loss insurance** 5 pages](https://ethosbenefits.com/topics/stop-loss) - [**Pharmacy and PBMs** 8 pages](https://ethosbenefits.com/topics/pharmacy) - [**Fiduciary duty and advisor pay** 9 pages](https://ethosbenefits.com/topics/fiduciary-duty) - [**Benefits strategy and administration** 20 pages](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)