The Affordable Care Act is evolving again—and 2026 brings some of the most significant updates in years. In this episode of Boss Moves in Benefits, Ken and Robin sit down with compliance expert Jaelle Pinilla to unpack the new rules and what they mean for employers and employees. We cover: Rising HSA and FSA contribution limits, including the first major increase to the dependent care FSA since 1986. Updated high-deductible health plan thresholds and embedded deductible requirements. The new affordability percentage (9.96%) and how it impacts employer contributions. Substantial increases in ACA penalties—and how to avoid costly IRS letters. What employers should know about ICRAs, small group options, and the individual market, with premiums expected to rise 18–20% nationwide. If you’re an employer navigating compliance, a broker planning for clients, or an HR leader preparing for open enrollment, this episode breaks down the must-know ACA 2026 updates so you can stay compliant, control costs, and support your employees. Join us to start your benefit quoting! https://www.costcoquote.com/