2026 Required Compliance Notices

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2026 REQUIRED COMPLIANCE NOTICES

Stay Ahead of 2026 Compliance Deadlines

At Tower Street Insurance, we help employers stay compliant and confident. Our compliance resources make it easier to track deadlines, avoid penalties, and protect your organization from unnecessary risks.

Whether you manage a fully insured or self-funded plan, these notices are critical to maintaining compliance in 2026.

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2026 REQUIRED COMPLIANCE NOTICES

Key Compliance Deadlines

January – March

ACA Reporting (Forms 1094 & 1095)

Employee Statements Due:
- CA: January 31, 2026
- Other States: March 3, 2026
IRS Filing Due:
- Paper: February 28, 2026
- Electronic: March 31, 2026
  Applicable Large Employers (ALEs) with 50+ full-time employees must file annual ACA reports to stay compliant with the Affordable Care Act.
Women’s Health & Cancer Rights Notice: Due February 16, 2026
Outlines benefits for preventive care, maternity, and mastectomy-related services. Learn more

HIPAA Privacy Notice: Due February 16, 2026
Ensures employees understand how their health information is protected and their privacy rights. Learn more

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2026 REQUIRED COMPLIANCE NOTICES

Mid-Year Deadlines

CAA Rx Reporting: Due June 1, 2026
Requires group health plans and insurers to report prescription drug data to the federal government under the Consolidated Appropriations Act.

PCORI Fees: Due July 31, 2026
Employers must file Form 720 and pay the PCORI fee to fund critical healthcare research. Learn more

2026 REQUIRED COMPLIANCE NOTICES

Fall Deadlines

Grandfathered/Grandmothered Plan Notice: Due October 15, 2026
Outlines ACA protections for non-grandfathered plans, ensuring participants understand their coverage rights.

Medicare Part D Creditable Coverage Notice: Due October 15, 2026
Employers offering prescription coverage must notify Medicare-eligible individuals whether their coverage is creditable. Model Notices

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2026 REQUIRED COMPLIANCE NOTICES

Year-End Deadlines

Medicaid/CHIP Notice: Due December 31, 2026
Employers must notify employees annually about potential eligibility for Medicaid or the Children’s Health Insurance Program. Learn more

Gag Clause Compliance Attestation: Due December 31, 2026
Employers must confirm their health plan contracts do not include prohibited gag clauses on provider cost and quality data. Learn more

2026 REQUIRED COMPLIANCE NOTICES

Additional Annual Notices

Summary of Benefits & Coverage (SBC): Distributed at open enrollment or renewal.
COBRA Initial Notices: Must be provided within 90 days of plan coverage.
Summary Plan Descriptions (SPD): Delivered within 90 days of enrollment.
Newborns’ & Mothers’ Health Protection Notice: Ensures coverage for childbirth hospital stays.
HIPAA & ADA Wellness Program Notices: Required if your wellness program includes health-related incentives or screenings.
ICHRA Notices: Must be issued at least 90 days before each plan year.
Surprise Billing Notice: Must be posted publicly on your website and shared with plan participants.

2026 REQUIRED COMPLIANCE NOTICES

Ongoing & Event-Based Notices

Notice of Coverage Options
Must be distributed within 14 days of a new hire’s start date, informing employees of Health Insurance Marketplace options.

Michelle’s Law Notice
Issued one year after a medically necessary leave begins or when dependent coverage would otherwise terminate.

2026 REQUIRED COMPLIANCE NOTICES

Partner with Tower Street for Compliance Support

Our Employee Benefits and HR Consulting experts simplify compliance so you can focus on running your business. From ACA reporting to federal filing requirements, Tower Street helps ensure your organization remains compliant year after year.

Need assistance with your 2026 compliance schedule? Contact our Employee Benefits team for a consultation.

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