For the many employers in the midst of open enrollment planning, we've compiled model health plan notices from federal government agencies. Where possible, we also provide related reading.
The fine print: These links to sources for model notices were retrieved on September 7, 2023. This chart is intended to indicate general notice requirements applicable to employer sponsored health plans. It does not cover all special requirements that may apply in a particular year due to an extraordinary event or that may apply only to a particular employer or employee. As with all matters involving legal interpretation, plan sponsors should rely on their attorneys for legal advice on questions of specific application to their plans and any additional notice requirements.
Coverage Options Notice (formerly known as Exchange Notice)
DOL
Related reading: What is the health insurance marketplace notice requirement under the Affordable Care Act (ACA)?
SHRM HRQA
COBRA Election Notice
DOL
Related reading: Takeaways from a Recent COBRA Notice Class Action Settlement
McDermott | Sep 2023
HIPAA: Notice of Privacy Practices
HHS
Related reading: What are the HIPAA privacy notice requirements for employers that sponsor a group health plan?
SHRM HRQA
Summary of Benefits & Coverage and Uniform Glossary
CMS
Related reading: Summary of Benefits and Coverage
HealthCare.gov
Medicare Part D Annual Notice
CMS
Related reading: Medicare Part D Notice Deadline Coming Soon
HUB International | Aug 2023
Medicaid and the Children's Health Insurance Program Reauthorization Act (CHIPRA)
DOL
Related reading: DOL Releases New Model Employer CHIP Notice
Amwins | Aug 2023
Mental Health Parity
DOL
Multiple Notices (see below)
DOL
Model Special Enrollment Notice (page 2 on the PDF reader)
Wellness Program Disclosure (page 3 on the PDF reader)
Newborns' Act Disclosure (page 4 on the PDF reader)
Women's Health and Cancer Rights Act of 1998 (pages 5 & 6 on the PDF reader)
Model Notice for Grandfathered Health Plans (page 13 on the PDF reader)
Patient Protection Model Disclosure (page 14 on the PDF reader)
Related Resources
The 2024 Required Annual Notices to Employees
Newfront | Aug 2023
Gimme, Gimme, Gimme, My Required Notices
Holland & Hart | Oct 2022
Navigating Open Enrollment Notice Requirements
Faegre Drinker | Oct 2022
Guide: General Compliance Assistance: Health Plans
Chart: Reporting & Disclosure Guide for Employee Benefit Plans
DOL |
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