• videocam Live Webinar with Live Q&A
  • calendar_month October 8, 2026 @ 1:00 PM ET/10:00 AM PT
  • signal_cellular_alt Intermediate
  • card_travel ERISA
  • schedule 90 minutes

ERISA Compliance in Direct Contracting for Healthcare: Challenges for Employers and Providers

About the Course

Introduction

This CLE course will provide ERISA counsel and advisers guidance on direct contracting between employers and healthcare providers. The panel will discuss transparency rules impacting covered service providers, recent regulations and guidance under OBBBA, ERISA challenges associated with direct contracting for health benefits, practical and legal considerations in negotiating and drafting agreements with healthcare providers, and other planning methods to ensure employer compliance with ERISA and other rules and regulations.

Description

The rise in healthcare costs has forced employers to consider contracting directly with healthcare providers to minimize expenses and improve the member experience associated with health benefits. Direct contracting arrangements can be complicated and require counsel and advisers to consider all legal ramifications to assist employers and providers.

Direct contracting agreements offer employers and healthcare providers an opportunity to work together, eliminating the need for some of the services provided by a third-party administrator (TPA). This approach can provide both parties with substantial benefits and a way to take on and understand the functions of the payor, administrator, and provider in the absence of a TPA. Furthermore, employers and providers negotiating direct contract agreements must comply with ERISA and other federal and state regulations.

Employer and provider arrangements inclusive of plan administrative services and the assumption of specific responsibilities by the provider are subject to ERISA rules governing service provider contracts and fiduciaries. These direct contracting arrangements must ensure that plan provisions and actions do not run afoul of the prohibited transaction rules or any fiduciary duties under ERISA.

Negotiations must involve careful consideration of the rules and limitations of HIPAA, the Affordable Care Act, ADA, OBBBA, and other regulations. Counsel must be knowledgeable of federal and state regulations to structure the direct contracting arrangement to secure the benefits to employers and providers and avoid compliance claims.

Listen as our panel discusses the federal and state law challenges associated with direct contracting for health benefits, practical and legal considerations in negotiating and drafting agreements, and planning methods to ensure compliance.

Presented By

Kate Sullivan Morgan
Partner
Dentons

Ms. Morgan specializes in complex multi-state health insurance and health care regulatory challenges, drawing on more than fifteen years of experience both in-house and at top tier international law firms. She is a well-known expert in payor/provider issues and is adept in the intricacies of the Affordable Care Act (ACA) and state health insurance and managed care laws, and the interplay of the two. Additionally, Ms. Morgan has been part of industry-defining changes in digital health, data transparency and the post-CAA fiduciary landscape. She has advised health insurance and managed care clients on a broad range of regulatory issues, including state and federal mandated benefits; state and national health care reform; group health laws (e.g., extra-territorial applicability, withdrawal from group business); joint ventures; HIPAA and state conversion and continuation of coverage provisions; state privacy laws; utilization review requirements; company licensing; broker and agent issues; and applicability and interpretation of other relevant statutes and regulations. Ms. Morgan also provides regulatory advice regarding non-traditional healthcare models to third party administrators, consulting companies, and financial institutions, including negotiating with state insurance regulators to obtain insurance license exemptions for such models. She has a stellar record of positive outcomes when representing clients before state regulators in investigations and enforcement actions.

David Shillcutt
Member
Epstein Becker & Green PC

Mr. Shillcutt has deep experience in the areas of behavioral health, government and commercial reimbursement, and managed care due to his work at the Centers for Medicare & Medicaid Services (CMS), the Substance Abuse and Mental Health Services Administration (SAMHSA), and the Centers for Disease Control and Prevention (CDC).

Christine Burke Worthen
Member
Epstein Becker & Green PC

Health care providers, payers, digital health companies, and investors call on Ms. Worthen for legal and strategic advice as they navigate complex regulatory and business challenges in the continuously evolving health care delivery and reimbursement landscape. Her practical guidance enables clients across the health care ecosystem—health systems, hospitals, physician practices, digital health companies, behavioral health providers, third-party administrators, health plans, and investors—to implement both short- and long-term strategies that align with their organizational goals. Ms. Worthen possesses a wealth of experience working on matters concerning Medicare reimbursement, Medicare Advantage, participation in CMS Innovation Center payment models, managed Medicaid, managed care contract negotiations, and value-based payment arrangements with commercial payers, self-insured employers, and Medicare Advantage plans. She provides counsel on the regulatory, operational, and financial considerations necessary for maneuvering through the changing payment environment, including various forms of risk-based payment models, price transparency, revenue cycle and payment integrity, clinically integrated network development and value-based enterprise models, risk adjustment, and provider compensation arrangements. Beyond her health care practice, Ms. Worthen provides ERISA counsel to employers regarding their defined benefit and defined contribution retirement plans, as well as self-insured and fully insured welfare benefits plans, and has represented clients in government audits conducted by the IRS and the U.S. Department of Labor.


Credit Information
  • This 90-minute webinar is eligible in most states for 1.5 CLE credits.


  • Live Online


    On Demand

Date + Time

  • event

    Thursday, October 8, 2026

  • schedule

    1:00 PM ET/10:00 AM PT

I. How direct contracting fits into an employer's overall health benefit strategy

A. Types of employer direct contracting arrangements

B. Opportunities for direct contracting to change the healthcare landscape

C. The mechanics of direct contracting between employers and healthcare providers

II. Ensuring compliance with ERISA, ACA, HIPAA, and other federal regulations

III. State law implications of employer and healthcare provider direct contracting

IV. Priority terms to consider in negotiating and structuring arrangements with providers for health benefits

V. Health plan design, documentation, and participant communications

VI. Best practices for employers in the administration of health plans from direct contracting arrangements

The panel will review the following priority issues:

  • Essential terms to include in direct contract negotiations
  • Ensuring compliance with ERISA-prohibited transaction rules
  • Fiduciary duties of employer and provider in direct contracting arrangements under ERISA
  • Plan design and drafting documentation and participant communications
  • Structuring direct contracting arrangements to avoid potential claims and limiting provider discretion
  • Compliance with HIPAA, ACA, ADA, and other regulations
  • State regulatory challenges and considerations
  • Best practices in health plan administration for employers and providers