Sarah Borders

Principal, Benefits Compliance Solutions. Sarah has spent the last 15 years in the employee benefits industry, has numerous designations and serves on NAHU’s Employer Working Group Subcommittee and is an active board member of Austin AHU. She recently stepped down as Vice President of Benefits Compliance at one of the nation's largest brokerage firms to start her own compliance consulting practice. Her designations include an active license with the Texas Department of Insurance, CEBS (Certified Employee Benefits Specialist), Certified Health Care Reform Professional, HIPAA certification and Health Care Service Associate. She holds an MBA from Texas A&M Corpus Christi and a BA from University of Incarnate Word. Her consulting firm, Benefits Compliance Solutions, partners with employers to identify unknown risks and avoid hundreds of thousands of dollars in fines and lawsuits from failure to comply with their healthplan obligations.

Blog Post by Sarah Borders

Sarah Borders
December 23, 2025 1 min read

Is a Significant Cost Increase to an Individual’s Public Exchange Marketplace Plan a Qualifying Event to Move to Group Health Coverage Mid-Year?

Q: Is a significant cost increase to an individual’s public Exchange Marketplace plan a ...

Sarah Borders
December 23, 2025 3 min read

Changes Proposed to Medicare Part D Creditable Coverage Guidelines for 2027

The Centers for Medicare and Medicaid Services (CMS) proposed to explicitly exempt Health ...

Sarah Borders
December 23, 2025 10 min read

IRS Guidance on HSA Changes under OBBB

On December 9, 2025, the IRS published initial guidance with a request for public ...

Sarah Borders
December 3, 2025 6 min read

IRS Finalizes Instructions for ACA Reporting (1094/1095-B and 1094/1095-C)

On October 30, 2025, the IRS published final instructions for completing the Affordable ...

Sarah Borders
December 3, 2025 1 min read

Can an employee enroll in a Dependent Care Assistance Program (DCAP) before their child is born?

Can an employee enroll in a Dependent Care Assistance Program (DCAP) before their child ...

Sarah Borders
December 3, 2025 6 min read

IRS Indexes Highly Compensated and Key Employee Thresholds

The IRS issued Notice 2025-67 to announce updated limits reflecting retirement plan ...

Sarah Borders
November 5, 2025 7 min read

PCORI Fee Amount Adjusted for 2025-2026

The IRS has issued IRS Notice 2025-61 to increase the Patient-Centered Outcomes Research ...

Sarah Borders
November 4, 2025 9 min read

Time to Prepare for Gag Clause Prohibition Compliance Attestation (GCPCA) Due to CMS by December 31, 2025

Section 201 of the Consolidated Appropriations Act,2021 (CAA-21) requires Plans and ...

Sarah Borders
November 4, 2025 7 min read

Final 1094/1095-B & C Forms for 2025 Issued with Draft Instructions

The IRS issued final forms and draft instructions related to 2025 ACA reporting ...

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