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
September 3, 2025 12 min read

Annual Medicare Part D Notices Due by October 15

Each year prior to October 15th, employers must provide coverage notices to all Medicare ...

Sarah Borders
September 3, 2025 5 min read

MLR Rebates Reminder for Employers

Health insurance carriers are required to send out Medical Loss Ratio (MLR) payments to ...

Sarah Borders
September 3, 2025 4 min read

ACA FAQs Part 71

On July 30, 2025, federal regulators published FAQs Part 71 providing instructions for ...

Sarah Borders
August 4, 2025 3 min read

Reminder to File Form 5500 for Calendar Year Plans

The penalties for a missing or late 5500 are over $2,000 per day that the filing is late. ...

Sarah Borders
July 31, 2025 9 min read

ALE Penalties Increased for 2026

On July 22, 2025, the IRS announced that ALE penalties will increase over 15% for 2026.

Sarah Borders
July 29, 2025 3 min read

Affordability Percentage Increased to 9.96% for Plan Years Beginning in 2026

On July 18, 2025, the IRS announced a 9.96% affordability percentage for plan years ...

Sarah Borders
July 7, 2025 8 min read

Benefit Provisions in the Budget Reconciliation Bill Signed into Law

On July 4, 2025, President Trump signed a massive budget reconciliation bill into law. ...

Sarah Borders
July 7, 2025 7 min read

Final Rules Amend Some 2026 ACA Figures

On June 23, 2025, a final rule amended the methodology for determining the Affordable ...

Sarah Borders
June 20, 2025 5 min read

What’s In, What’s Out: Senate’s Revision of Bill Signals Shift in Benefit Priorities

On June 16, 2025, the Senate Finance Committee unveiled its version of the bill aimed at ...

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