--- title: "Preparing for 2023: Compliance Steps for Group Health Plans" description: Employers sponsoring group health plans are advised to take note of and prepare for these updates and deadlines for early 2023. image: https://www.risk-strategies.com/hubfs/Team-Discussion-1500.jpg --- - Industries Back to Main [ Industries ](https://www.risk-strategies.com/industries) - [ Agriculture ](https://www.risk-strategies.com/industries/agriculture/) - [ Architects & Engineers ](https://www.risk-strategies.com/industries/architects-engineers) - Aviation Back to Aviation [ Aviation ](https://www.risk-strategies.com/industries/aviation) - [ Aviation Business Insurance - Manned Risk ](https://www.risk-strategies.com/industries/aviation/aviation-business-insurance) - [ Non-Owned Aviation ](https://www.risk-strategies.com/industries/aviation/non-owned-aviation) - [ Unmanned Aerial System and Drones ](https://www.risk-strategies.com/industries/aviation/unmanned-aerial-system-and-drone) - [ Cannabis ](https://www.risk-strategies.com/industries/cannabis) - 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You are leaving risk-strategies.com By accessing this link, you will be leaving Risk Strategies website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Risk Strategies website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Risk Strategies. OK Cancel [![Connect with Our Team](https://no-cache.hubspot.com/cta/default/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309.png)](https://cta-redirect.hubspot.com/cta/redirect/20256628/f1d83adb-981f-4b85-93a6-7a46077d7309) December 12, 2022 # Preparing for 2023: Compliance Steps for Group Health Plans [ Employee Benefits ](https://www.risk-strategies.com/blog/tag/employee-benefits) 4 min read [ Erica Honig, J.D., Senior Compliance Director, Employee Benefits ](https://www.risk-strategies.com/blog/author/erica-honig-compliance-director) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans&text=Preparing+for+2023%3A+Compliance+Steps+for+Group+Health+Plans) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans&title=Preparing%20for%202023%3A%20Compliance%20Steps%20for%20Group%20Health%20Plans&summary=Employers+sponsoring+group+health+plans+are+advised+to+take+note+of+and+prepare+for+these+updates+and+deadlines+for+early+2023.&source=) - [Email ](mailto:?subject=Preparing%20for%202023%3A%20Compliance%20Steps%20for%20Group%20Health%20Plans&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans) ![Preparing for 2023: Compliance Steps for Group Health Plans](https://www.risk-strategies.com/hs-fs/hubfs/Team-Discussion-1500.jpg?width=640&height=300&name=Team-Discussion-1500.jpg) - [Facebook ](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans) - [X (Twitter) ](https://x.com/intent/post?url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans&text=Preparing+for+2023%3A+Compliance+Steps+for+Group+Health+Plans) - [LinkedIn ](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans&title=Preparing%20for%202023%3A%20Compliance%20Steps%20for%20Group%20Health%20Plans&summary=Employers+sponsoring+group+health+plans+are+advised+to+take+note+of+and+prepare+for+these+updates+and+deadlines+for+early+2023.&source=) - [Email ](mailto:?subject=Preparing%20for%202023%3A%20Compliance%20Steps%20for%20Group%20Health%20Plans&body=https%3A%2F%2Fwww.risk-strategies.com%2Fblog%2Fpreparing-for-2023-compliance-steps-for-group-health-plans) This past year was eventful for group health plan compliance as COVID-related requirements continued in earnest throughout the year and the U.S. Supreme Court Dobbs decision put a spotlight on the coverage of reproductive health services, particularly in certain states. Additionally, the No Surprises Act and other group health plan transparency-related laws and regulations kept plan sponsors and their carriers/third-party administrators busy with various compliance requirements. These transparency-related requirements are shaping up to be the most significant group health plan-related legislation since the Affordable Care Act (ACA) was signed into law in 2010. [Click here for a look back](https://www.risk-strategies.com/blog/reflecting-back-on-2022-noteworthy-group-health-plan-compliance-developments) at the most noteworthy compliance developments for group health plans from 2022. As we head into the final stretch of the year, employers sponsoring group health plans are advised to take note of and prepare for the following updates and deadlines for early 2023: ### **New Health Plan Cost-Sharing Tool ** The Transparency in Coverage (TiC) Final Rules, finalized in November 2020, required non-grandfathered group health plans to provide a searchable, internet-based self-service tool that reflects accurate cost-sharing and rate information for plan participants. The first phase requires information for 500 specified items and services to be accessible to plan participants by **January 1, 2023**. Since plan carriers and third-party administrators (TPA) are in the best position to create and maintain this TiC self-service tool for the first upcoming deadline of January 1, 2023. Click [here](https://www.risk-strategies.com/employee-benefits-compliance/blog/new-health-plan-cost-sharing-tool-for-2023) for more information. ### **End of HSA Telehealth Relief for 12/31/2022** The CARES Act of 2020 created a temporary safe harbor that permitted Health Savings Account (HSA)-compatible high deductible health plans (HDHP) to cover telehealth and remote care services on a first-dollar basis, or prior to members satisfying their HDHP deductible. On March 15, 2022, President Biden granted an extension of the temporary safe harbor HSA relief for telehealth services previously provided under the CARES Act of 2020. This temporary relief under the Consolidated Appropriations Act of 2022 is in effect from** **[**April 1, 2022, through December 31, 2022**](https://www.risk-strategies.com/employee-benefits-compliance/blog/telehealth-relief-for-hsa-compatible-hdhps-is-back-for-part-of-2022). Group health plan sponsors are advised to take note of the upcoming telehealth relief expiration date (December 31, 2022) for their HSA-compatible HDHPs. ***UPDATE: On December 23, 2022, new legislation was passed that extends the telehealth relief until December 31, 2024. [Please click here to learn more](https://www.risk-strategies.com/blog/telehealth-relief-for-hsa-compatible-hdhps-extended-for-two-more-years).*** ### **Inflation Reduction Act – Insulin Safe Harbor ** On August 16, 2022, President Biden signed the “Inflation Reduction Act” (IRA) into law. While the bulk of the IRA is packed with climate and tax-related legislation, the law includes several healthcare-related provisions that could impact prescription drug costs for employer-sponsored group health plans and Medicare Advantage plans in the long run. A more immediate effect for group health plans is the IRA’s codification of a safe harbor to cover insulin products *before* individuals covered under a qualified HDHP meet the plan’s deductible. This safe harbor permits HDHPs to provide first-dollar coverage for insulin without jeopardizing an individual’s eligibility to contribute to a Heath Savings Account (HSA) and applies to plan years beginning on or after January 1, 2023. Many HDHPs are already covering insulin on a pre-deductible basis since [current IRS guidance](https://www.irs.gov/pub/irs-drop/n-19-45.pdf) permits insulin and other glucose-lowering agents to be treated as preventive care for individuals diagnosed with diabetes. If your HSA-compatible HDHP does not, take note of this new safe harbor in 2023. ### **ACA Affordability for 2023** The ACA affordability percentage threshold for [plan years beginning January 1, 2023, is set at 9.12%.](https://www.risk-strategies.com/employee-benefits-compliance/blog/irs-releases-aca-affordability-rates-for-2023) This change is a significant decrease from the 2022 standard of 9.61% and the lowest this percentage has ever been set since the rules were implemented. As a result, many employers may be required to lower their 2023 employee contribution rates to accommodate this adjusted percentage. ### **2023 Benefit Plan Limits** Stay informed on benefit plan limits with [updated maximum amounts for 2023](https://www.risk-strategies.com/employee-benefits-compliance/blog/2023-benefit-plan-limits) when coordinating with benefit administration and payroll vendors. Most, but not all, plan maximum limits have changed from 2022 limits. ### **Preventive Services Updates** In accordance with the ACA, non-grandfathered group health plans must cover in-network preventive items and services without participant cost-sharing, such as copayments, coinsurance, or deductibles. The list of required preventive items and services is updated on a periodic basis and includes the [following updates for 2023 plan years](https://www.hrsa.gov/womens-guidelines): - Obesity prevention counseling for women ages 40 - 60 - Breastfeeding services and supplies, including breast pumps and breast milk storage supplies - Contraception care, including screening, education, counseling, and provision of contraceptives - Counseling for sexually transmitted infections - Well-woman preventive visits Group health plan sponsors are advised to update their summary plan descriptions (SPDs) and summaries of benefits and coverage (SBCs) to ensure that coverage of these preventive service updates is provided with no participant cost-sharing. Planning now and taking action, when necessary, can help set your organization on the right compliance path going into 2023. Risk Strategies is here to help your organization. Need assistance? Contact us at [benefits@risk-strategies.com](mailto:benefits@risk-strategies.com). The contents of this article are for general informational purposes only and Risk Strategies Company makes no representation or warranty of any kind, express or implied, regarding the accuracy or completeness of any information contained herein. Any recommendations contained herein are intended to provide insight based on currently available information for consideration and should be vetted against applicable legal and business needs before application to a specific client.  [Subscribe](https://www.risk-strategies.com/blog/preparing-for-2023-compliance-steps-for-group-health-plans#subscribe) ### Subscribe via Email employee-benefits ### Related Posts [See all posts](https://www.risk-strategies.com/blog) ![](https://www.risk-strategies.com/hs-fs/hubfs/Man-and-Woman-Standing-in-Office-Reviewing-Paperwork-800-533.jpg?width=450&height=250&name=Man-and-Woman-Standing-in-Office-Reviewing-Paperwork-800-533.jpg) [ Employee Benefits ](https://www.risk-strategies.com/blog/tag/employee-benefits) 11 min read April 08, 2026 #### [ CMS Finalizes Two Significant Medicare Part D Creditable Coverage Changes for 2027 ](https://www.risk-strategies.com/blog/cms-finalizes-two-significant-medicare-part-d-creditable-coverage-changes-for-2027) Summary: On April 2, 2026, the Centers for Medicare and Medicaid Services (CMS), the federal agency … [ Read article ](https://www.risk-strategies.com/blog/cms-finalizes-two-significant-medicare-part-d-creditable-coverage-changes-for-2027) ![](https://www.risk-strategies.com/hs-fs/hubfs/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg?width=450&height=250&name=Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg) [ Employee Benefits ](https://www.risk-strategies.com/blog/tag/employee-benefits) 5 min read April 08, 2026 #### [ Group Health Plan Fiduciary Lawsuit Survives Motion to Dismiss ](https://www.risk-strategies.com/blog/group-health-plan-fiduciary-lawsuit-survives-motion-to-dismiss) Summary: A federal judge in New York recently allowed certain ERISA claims against an employer … [ Read article ](https://www.risk-strategies.com/blog/group-health-plan-fiduciary-lawsuit-survives-motion-to-dismiss) ![](https://www.risk-strategies.com/hs-fs/hubfs/Woman-Computer-Calendar-1200-627.jpg?width=450&height=250&name=Woman-Computer-Calendar-1200-627.jpg) [ Employee Benefits ](https://www.risk-strategies.com/blog/tag/employee-benefits) 10 min read March 25, 2026 #### [ 2026 Compliance Reminder: Upcoming Form 5500 Deadline for Calendar Year Plans ](https://www.risk-strategies.com/blog/2026-compliance-reminder-upcoming-form-5500-deadline-for-calendar-year-plans) Employers sponsoring health and welfare benefit plans[1] subject to the Employee Retirement Income … [ Read article ](https://www.risk-strategies.com/blog/2026-compliance-reminder-upcoming-form-5500-deadline-for-calendar-year-plans)