--- title: "ECBM Employee Benefits Newsletter: September 2025" description: Check out the the Month Year version of the ECBM benefits newsletter! --- # Benefits Newsletter: September 2025 BENEFITS AND ME **Upcoming Benefits Limit Increases ** [READ MORE ](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20Benefits%20and%20Me%20Newsletter%20-%20September%202025.pdf?hsLang=en-us) COMPLIANCE OVERVIEW **Navigating Health Plan Notice Changes in 2025 and Beyond** [READ MORE ](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20%20Navigating%20Health%20Plan%20Notice%20Changes%20in%202025%20and%20Beyond.pdf?hsLang=en-us) BENEFITS BREAKDOWN **The OBBB Act and Employee Benefits Changes ** [READ MORE ](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20Benefits%20Breakdown%20Newsletter%20-%20September%202025.pdf?hsLang=en-us) # This Month's Trending Topics News Brief [Survey Finds Employers Expect 9% Increase in Health Care Costs in 2026](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20Survey%20Finds%20Employers%20Expect%209%25%20Increase%20in%20Health%20Care%20Costs%20in%202026.pdf?hsLang=en-us) Live Well, Work Well [Overcoming Loneliness in the Workplace](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20Overcoming%20Loneliness%20in%20the%20Workplace.pdf?hsLang=en-us) Legal Update [Deadline for Employers to Receive MLR Rebates is Approaching ](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20495321%20Deadline%20for%20Employers%20to%20Receive%20MLR%20Rebates%20Is%20Approaching%208.11.25.pdf?hsLang=en-us) Benefits Buzz [ACA affordability percentage rises for 2026](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/Benefits%20Buzz.pdf?hsLang=en-us) Mental Health Minute [The Importance of Positive Self-Talk](https://info.ecbm.com/hubfs/09%20Sept%20Mental%20Health%20Minute%20Newsletter%20-%20September%202025.pdf?hsLang=en-us) Stay in the loop [Health Coverage for Family Members: Do's and Don'ts](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20Health%20Coverage%20for%20Family%20Members%20Dos%20and%20Donts.pdf?hsLang=en-us) Benefits Insights [What is an HRA?](https://info.ecbm.com/hubfs/What%20is%20an%20HRA.pdf?hsLang=en-us) Recipe of the Month [Apple Oatmeal Muffins ](https://info.ecbm.com/hubfs/Benefits%20Newsletter%202025/09%20Sept%20Recipe%20of%20the%20Month%20-%20September%202025.pdf?hsLang=en-us) FAQ ## Need clarification? ### What is ECBM Benefits? ECBM helps protect and strengthen the financial health of our customers. We approach each client's unique needs utilizing our targeted Strategic Consulting Process. While our ultimate goal is to create a multi-year solution to align your employee benefits program to your business philosophy and strategy, we can also assist you with short and long-term goals. ### What do I get when I sign up for the newsletter? By signing up, you'll receive an email as well as a PDF version of the ECBM Employee Benefits Newsletter personally delivered to your inbox each month. Every newsletter contains articles and eBooks with helpful information around employee benefits. These resources are to be shared with employees as well as employers. ### How can I get ECBM Benefits solutions for my business? If you are looking to partner with ECBM to find an employee benefits solution that is right for your business, click the button below to schedule some time with our dedicated benefits expert. Our team will help customize a benefits plan that helps your bottom line, all while giving your employees the benefits they deserve. ### What types of solutions do you offer? Our benefits team offers a wide range of solutions for your employees, all of which are tailored specifically to your business needs. Below are a few specific services we provide: **Consulting/Brokerage **Program design & evaluation, advice & recommendations, funding alternatives, contribution strategy & modeling, cost projections & budgeting, benchmarking, marketing & negotiations. **Account Management** Extension of your HR team, employee communications, vendor management, renewal services, open enrollment support, quarterly face-to-face meetings (or as needed), employee advocacy. **Financial** Data analysis, monthly claims dashboard, itemized bill review, reference-based reimbursement, direct contracting, transparency and quality solutions, utilization, and costs trends. **Administration** Compliance support, benefits administration, online enrollment solution, COBRA administration, ACA reporting solutions, 5500 form filing. **Wellness & Disease Management** Data analysis, strategic consulting, and vendor selection. **Additional Services Available** Flexible spending accounts, SPD (wrap documents), Total Compensation statements, EDI fees.   ### Interested in Learning More? Schedule time to speak with our dedicated benefits specialist, John Barrett. He'll outline a benefits plan fit to your business needs, all while making sure your employees are taken care of. [SCHEDULE A TIME TO TALK ](https://www.ecbm.com/benefits-meeting-request?hsLang=en-us) ![Untitled design (1)](https://info.ecbm.com/hubfs/Untitled%20design%20(1).png) NEWSLETTER # Stay Up To Date With All The Latest From ECBM Benefits Each month, the ECBM Benefits Team releases a newsletter focused on bringing you all the updates, news stories, and helpful articles to make sure you are in the know regarding your benefits program.  ![WFH women](https://info.ecbm.com/hs-fs/hubfs/WFH%20women.png?width=875&height=750&name=WFH%20women.png) ![websights](https://ws.zoominfo.com/pixel/63445f490137e26fb30d5a0d)