Hub International Highlights Regulatory Shifts in Employee Benefits Under New Federal Legislation

Hub International Limited has shared an update. The company highlights upcoming changes to U.S. employee benefit regulations under the One Big Beautiful Bill Act, affecting high-deductible health plans (HDHPs), direct primary care, and dependent care assistance starting in 2025, with further implications from 2026 onward. HUB notes that telehealth services can now be covered at 100% under HDHPs before deductibles are met, as explained by HUB’s Cory Jorbin, Esq., in an external HR-focused feature.

For investors, this update underscores Hub International’s focus on regulatory expertise and advisory capabilities in the employee benefits segment. As employers adapt to evolving benefits rules, demand for consulting, plan design, and compliance support may increase, potentially strengthening HUB’s recurring revenue from benefits advisory services. The ability to guide clients through telehealth coverage optimization and changing dependent care and direct primary care structures could enhance client retention and cross-selling opportunities across HUB’s broader insurance and benefits portfolio. In a competitive benefits brokerage and consulting market, demonstrating thought leadership on complex legislation may support HUB’s positioning as a value-added advisor, though the direct financial impact will depend on the pace and scale of employer adoption of new benefit structures and the firm’s success in monetizing expanded advisory needs.