Employer Letterhead
Dear __________________
Effective October 1, 2013, you and/or your family members may
purchase health insurance coverage through a new health insurance marketplace,
instead of taking coverage through the employer's health plan. Any coverage you
purchase in the health insurance marketplace will be effective on January 1,
2014, if you and/or your family member enroll on or before December 15, 2013.
You and/or your family members may purchase health insurance coverage through
the health insurance marketplace no later than March 31, 2014, but the
effective date of such coverage will vary depending on the date of enrollment.
We are required by federal law to provide you with the attached
notice. The purpose of this notice is to inform you of the existence of the
health insurance marketplace, give you a description of the services provided
by the health insurance marketplace, and tell you how to contact the health
insurance marketplace to request assistance.
In addition, this notice helps you determine whether you are
eligible for a premium tax credit or a cost-sharing reduction through the
health insurance marketplace. You may be eligible if the employer's plan's
share of the total cost of benefits is less than 60%, the coverage is
unaffordable, or if you are not eligible for the coverage. The health
insurance marketplace will qualify you for any premium tax credit or a cost
sharing reduction.
Finally, the notice informs you that if you purchase coverage
through the health insurance marketplace, you may lose any employer
contribution toward the cost of employer-provided coverage.
If you have any questions regarding this notice, please contact
__________________________ at _________________.
Sincerely,
________________________________
Signature
(Title)
Download a copy of the notice here: