Employees Must Be Told About Exchanges

Employers Must Provide The Correct Public Exchange Notice to Employees

Employers must comply [viewers also read Huge Penalties for Reimbursing for Individual Health Insurance Policies] by providing the applicable notice of coverage options to each employee, regardless of whether employees are part-time, full-time, enrolled or not enrolled at all. If you are an employee checking out Obamacare for yourself, read our Covered California Buyer Guide.

Recent Article: Read why Everybody’s Happy With Obamacare in California

It is remarkable to note that the DOL disclosure reads like a sales pitch to join the public exchange. Some industry observers have speculated about the motive behind this notice: Is it to provide neutral information on coverage options, or rather is it an attempt to raid plan participants and shift them to the public exchange?

“When key parts of the health care law take effect in 2014, there will be a new way to buy health insurance:  The Health Insurance Marketplace,” states a required regulatory notice, which all employees must receive from their employers beginning October 2013, as required by the Fair Labor Standards Act.

Regulatory notice OMB No. 1210-0149 goes on to disclose basic information about the new Health Insurance Marketplace, including how to save money on health insurance premiums in the marketplace etc.

Sample Notice From DOL- Public Healthcare Exchange Employee Disclosure Notice

To satisfy the content requirements for FLSA section 18B, employers may refer to the Department of Labor’s website www.dol.gov/ebsa/healthreform.   To save you some time from reading through the DOL website maze, I have included links below.  Note: There is one model for employers who do not offer a health plan and another model for employers who offer a health plan to some or all employees.  Employers may use one of these models, as applicable, or a modified version, provided the notice meets the content requirements described in Regulatory notice OMB No. 1210-0149.

The above forms are in PDF format. If you prefer an MS Word version for easy Edit & Print, use these versions: FLSAwithoutplans (employers who do not currently offer a plan) or FLSAwithplans (for employers who do have an existing medical plan).

There are additional requirements and upcoming ACA deadlines that affect small employer health plans: Read about them in a related article, 4 Actions Employers Must Complete By October 1st.


For additional employer requirements under the Affordable Care Act legislation click here.  For rate comparisons of new group health plans, click here.  For non-group e.g. individual family plans click this link.

Got questions? Frustrated with the Affordable Care Act?  Life’s too short to waste time with all this:  Request free consumer assistance from Certified Insurance Agents, below:

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2 thoughts on “Employees Must Be Told About Exchanges

  1. Pingback: 4 actions small employers must complete under Obama healthcare law

  2. Pingback: Obamacare healthcare exchange disclosure notice omb no. 1210-0149

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