Quarter 4 of 2024 is almost here – can you believe it? As we gear up for 2025 renewal season during another contentious presidential election, it almost seems too good to be true that for the first time in over a decade there is a minimal list of new regulations. The focus for 2025 will be on continuing to comply with rules issued in prior years in which details are still being ironed out (or for which there are proposed changes).

While this is not an exhaustive list of compliance requirements, below is a summary of federal requirements affecting most self-insured health and welfare plans — subject to legislative or regulatory changes.

You will find a checklist of topics employers should review for their self-funded health plan and a comparison chart of various Affordable Care Act (ACA) and IRS High Deductible Health Plan (HDHP) limits for 2024 to 2025 (there are some numbers we are still waiting for the regulating bodies to release).