--- title: BerniePortal Broker Blog | Germeen Tanas description: Germeen is an aPHR-certified writer on the marketing team at BerniePortal. She writes about HR, healthcare, and benefits. --- [![BerniePortal_Logo_blue](https://brokerblog.bernieportal.com/hubfs/BerniePortal_Logo_blue.png "BerniePortal_Logo_blue")](https://www.bernieportal.com/) - OUR SOFTWARE - [FEATURES OVERVIEW](https://www.bernieportal.com/feature-overview/) - [OUR TESTIMONIALS](https://www.bernieportal.com/our-testimonials/) - [PRICING](https://www.bernieportal.com/pricing/) - RESOURCES - [HR BLOG](http://blog.bernieportal.com) - [BROKER BLOG](https://brokerblog.bernieportal.com) - [BERNIEU](https://bernieu.bernieportal.com/) - [HR PARTY OF ONE](https://www.bernieportal.com/hr-party-of-one/) - [BROKERS' CORNER](https://www.bernieportal.com/brokers-corner/) - [HR GLOSSARY](https://www.bernieportal.com/hr-glossary/) - [RESOURCE LIBRARY](https://www.bernieportal.com/resource-library/) - [CONFERENCES](https://www.bernieportal.com/conferences/) - [COMMUNITY](https://www.bernieportal.com/community/) - [LOGIN](https://app.bernieportal.com/en/login) - [GET A DEMO](https://www.bernieportal.com/get-a-demo/) - [Blog](https://brokerblog.bernieportal.com) - Author # Germeen Tanas Germeen is an aPHR-certified writer on the marketing team at BerniePortal. She writes about HR, healthcare, and benefits. ![Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png) - Select a Topic [![IRS Announces HSA and HDHP Limits for 2026](https://brokerblog.bernieportal.com/hubfs/HDHP%20and%20HSA%20limit%20photo.jpg)](https://brokerblog.bernieportal.com/hsa-and-hdhp-limits-2026) [Benefits & Healthcare](https://brokerblog.bernieportal.com/topic/benefits-healthcare) 4 min read ##### [IRS Announces HSA and HDHP Limits for 2026](https://brokerblog.bernieportal.com/hsa-and-hdhp-limits-2026) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | May 9, 2025 The IRS announced in May 2025 the updated HSA contribution limits for 2026, which take effect in January 2026. While the increase isn't as... [Continue Reading](https://brokerblog.bernieportal.com/hsa-and-hdhp-limits-2026) [![What Brokers Need to Know About Fertility Benefits in 2025](https://brokerblog.bernieportal.com/hubfs/woman%20holding%20baby%20close.jpg)](https://brokerblog.bernieportal.com/2025-fertility-benefits) 5 min read ##### [What Brokers Need to Know About Fertility Benefits in 2025](https://brokerblog.bernieportal.com/2025-fertility-benefits) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | April 16, 2025 In 2025, fertility benefits are quickly moving from niche to necessity. As more employees delay parenthood or explore alternative paths to growing... [Continue Reading](https://brokerblog.bernieportal.com/2025-fertility-benefits) [![Does Your Client's Benefit Plan Need an Audit? Key Signs & Steps for Brokers](https://brokerblog.bernieportal.com/hubfs/two%20women%20working%20on%20laptop.jpg)](https://brokerblog.bernieportal.com/does-your-clients-benefit-plan-need-an-audit-key-signs-steps-for-brokers) 5 min read ##### [Does Your Client's Benefit Plan Need an Audit? Key Signs & Steps for Brokers](https://brokerblog.bernieportal.com/does-your-clients-benefit-plan-need-an-audit-key-signs-steps-for-brokers) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | March 7, 2025 Employee benefit plans are a critical part of an organization’s compliance, financial health, and employee satisfaction. However, these plans require... [Continue Reading](https://brokerblog.bernieportal.com/does-your-clients-benefit-plan-need-an-audit-key-signs-steps-for-brokers) [![1095-B vs. 1095-C Forms: What Brokers Need to Know for 2025](https://brokerblog.bernieportal.com/hubfs/Affordable%20Care%20Act.jpg)](https://brokerblog.bernieportal.com/1095-b-vs.-1095-c-forms-for-2025) 3 min read ##### [1095-B vs. 1095-C Forms: What Brokers Need to Know for 2025](https://brokerblog.bernieportal.com/1095-b-vs.-1095-c-forms-for-2025) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | February 18, 2025 As the annual Affordable Care Act (ACA) reporting deadlines approach, it's crucial for brokers to understand the distinctions between Forms 1095-B... [Continue Reading](https://brokerblog.bernieportal.com/1095-b-vs.-1095-c-forms-for-2025) [![Helping Your Clients Prepare for 1095-C Filing and Distribution in 2025](https://brokerblog.bernieportal.com/hubfs/Form%201095-C.jpg)](https://brokerblog.bernieportal.com/helping-your-clients-prepare-for-1095-c-filing-and-distribution-in-2025) 4 min read ##### [Helping Your Clients Prepare for 1095-C Filing and Distribution in 2025](https://brokerblog.bernieportal.com/helping-your-clients-prepare-for-1095-c-filing-and-distribution-in-2025) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | January 8, 2025 As the 2025 deadline for filing and distributing 1095-C forms approaches, benefits brokers play a pivotal role in guiding their clients—Applicable... [Continue Reading](https://brokerblog.bernieportal.com/helping-your-clients-prepare-for-1095-c-filing-and-distribution-in-2025) [![How the IRA Impacts Employer-Sponsored Health Plans](https://brokerblog.bernieportal.com/hubfs/inflation%20reduction%20act.jpg)](https://brokerblog.bernieportal.com/ira-impact-on-employer-sponsored-health-plans) 6 min read ##### [How the IRA Impacts Employer-Sponsored Health Plans](https://brokerblog.bernieportal.com/ira-impact-on-employer-sponsored-health-plans) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | December 10, 2024 The Inflation Reduction Act (IRA) has made headlines for lowering prescription drug prices and introducing new Medicare benefits. But, for employers... [Continue Reading](https://brokerblog.bernieportal.com/ira-impact-on-employer-sponsored-health-plans) [![What Happens If an Insurance Bill Is Inaccurate?](https://brokerblog.bernieportal.com/hubfs/person%20writing%20on%20documents.jpg)](https://brokerblog.bernieportal.com/what-happens-if-an-insurance-bill-is-inaccurate) 4 min read ##### [What Happens If an Insurance Bill Is Inaccurate?](https://brokerblog.bernieportal.com/what-happens-if-an-insurance-bill-is-inaccurate) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | November 8, 2024 Inaccurate insurance bills are more common than you might think, and they can lead to significant headaches if they aren’t managed properly. So, what... [Continue Reading](https://brokerblog.bernieportal.com/what-happens-if-an-insurance-bill-is-inaccurate) [![The Risks of AI Health Advice: What Benefits Brokers Need to Know](https://brokerblog.bernieportal.com/hubfs/woman%20typing%20on%20laptop-1.jpg)](https://brokerblog.bernieportal.com/the-risks-of-ai-health-advice) 3 min read ##### [The Risks of AI Health Advice: What Benefits Brokers Need to Know](https://brokerblog.bernieportal.com/the-risks-of-ai-health-advice) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | October 3, 2024 Despite the convenience and benefits of using Artificial Intelligence (AI) for health advice, there are significant risks that health information... [Continue Reading](https://brokerblog.bernieportal.com/the-risks-of-ai-health-advice) [![Mental Health Inequities to Drive $477.5 Billion in Preventable Costs in 2024](https://brokerblog.bernieportal.com/hubfs/woman%20stressed%20at%20desk.jpg)](https://brokerblog.bernieportal.com/mental-health-to-drive-477.5-billion-in-costs-2024) 4 min read ##### [Mental Health Inequities to Drive $477.5 Billion in Preventable Costs in 2024](https://brokerblog.bernieportal.com/mental-health-to-drive-477.5-billion-in-costs-2024) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | September 10, 2024 According to a study conducted by Deloitte, The U.S. will spend an estimated $477.5 billion in “avoidable and unnecessary” expenses related to mental... [Continue Reading](https://brokerblog.bernieportal.com/mental-health-to-drive-477.5-billion-in-costs-2024) [![Virtual vs. In-Person Medical Care: Who Cares?](https://brokerblog.bernieportal.com/hubfs/doctor%20on%20laptop%20.jpg)](https://brokerblog.bernieportal.com/virtual-vs.-in-person-medical-care) 5 min read ##### [Virtual vs. In-Person Medical Care: Who Cares?](https://brokerblog.bernieportal.com/virtual-vs.-in-person-medical-care) [![Picture of Germeen Tanas](https://brokerblog.bernieportal.com/hubfs/Germeen%20Tanas.png)](https://brokerblog.bernieportal.com/author/germeen-tanas) [Germeen Tanas](https://brokerblog.bernieportal.com/author/germeen-tanas) | August 14, 2024 In the evolving healthcare landscape, benefits brokers are uniquely positioned to guide clients through the increasingly complex options available to... [Continue Reading](https://brokerblog.bernieportal.com/virtual-vs.-in-person-medical-care) - [PREVIOUS](https://brokerblog.bernieportal.com/author/germeen-tanas/page/0) - [NEXT](https://brokerblog.bernieportal.com/author/germeen-tanas/page/2) ### STAY UP TO DATE! Keep track of legal compliance changes to the health benefits industry, trending topics your agency and employer groups care about, enhance your own skills, and learn more about being competitive in the benefits broker market ### POPULAR POSTS: [Top 5 Conferences Every Benefits Broker Should Attend in 2025](https://brokerblog.bernieportal.com/top-5-conferences-for-brokers-to-attend-in-2025-must-attend-events) [What Benefits Brokers Should Know About HIPAA, Data Breaches, & Compliance](https://brokerblog.bernieportal.com/hipaa-compliance-for-brokers) [A Benefits Broker's Guide to Marketing Strategies](https://brokerblog.bernieportal.com/a-benefits-brokers-guide-to-marketing-strategies) [How to Leverage AI As a Benefits Broker](https://brokerblog.bernieportal.com/how-to-leverage-ai-as-a-broker) [1095-B vs. 1095-C Forms: What Brokers Need to Know for 2025](https://brokerblog.bernieportal.com/1095-b-vs.-1095-c-forms-for-2025) ### RECENT POSTS: [IRS Announces HSA and HDHP Limits for 2026](https://brokerblog.bernieportal.com/hsa-and-hdhp-limits-2026) [What Brokers Need to Know About Fertility Benefits in 2025](https://brokerblog.bernieportal.com/2025-fertility-benefits) [Top 5 Conferences Every Benefits Broker Should Attend in 2025](https://brokerblog.bernieportal.com/top-5-conferences-for-brokers-to-attend-in-2025-must-attend-events) [Introducing Brokers' Corner: Our New Non-Medical General Agency](https://brokerblog.bernieportal.com/introducing-brokers-corner-general-agency) [Does Your Client's Benefit Plan Need an Audit? Key Signs & Steps for Brokers](https://brokerblog.bernieportal.com/does-your-clients-benefit-plan-need-an-audit-key-signs-steps-for-brokers) ### TOPICS: - [Agency Growth (3)](https://brokerblog.bernieportal.com/tag/agency-growth) - [Benefits & Healthcare (2)](https://brokerblog.bernieportal.com/tag/benefits-healthcare) - [Compliance (1)](https://brokerblog.bernieportal.com/tag/compliance) - [Strategy (1)](https://brokerblog.bernieportal.com/tag/strategy) ![BerniePortal_Footer_Logo](https://brokerblog.bernieportal.com/hs-fs/hubfs/BerniePortal_Footer_Logo.png?width=742&name=BerniePortal_Footer_Logo.png "BerniePortal_Footer_Logo") BerniePortal® is the all-in-one HR software solution at a fair price, so HR can focus on providing a good place to work.  LEARN - [SUPPORT](https://help.bernieportal.com/portal/en/home) - [BLOG](http://blog.bernieportal.com) - [RESOURCE LIBRARY](https://www.bernieportal.com/resource-library/) - [HR PARTY OF ONE](https://www.bernieportal.com/hr-party-of-one/) - [HRIS](https://www.bernieportal.com/hris/) - [HR GLOSSARY](https://www.bernieportal.com/hr-glossary/) COMPANY - [HOME](https://www.bernieportal.com/) - [OUR STORY](https://www.bernieportal.com/our-story/) - [CAREERS](https://www.bernardhealth.com/jobs) - [LEADERSHIP](https://www.bernieportal.com/leadership/) - [SECURITY](https://www.bernieportal.com/security/) CONTACT INFO - [GET A DEMO](https://www.bernieportal.com/get-a-demo/) - [BERNIEPORTAL LOGIN](https://app.bernieportal.com/en/login) - [CONTACT US](https://www.bernieportal.com/contact-us/) - [FOR BROKER PARTNERS](https://brokers.bernieportal.com/) - [MARKETPLACE](https://www.bernieportal.com/marketplace/) Copyright @ 2024. All Right Reserved. [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](https://www.linkedin.com/company/bernieportal/) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/BerniePortal)