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How These Notices Help Nevada Employees Explore Marketplace Coverage.

Understanding Your Health Insurance Notice.
Health insurance notices from employers, officially called Notices of Coverage Options, are documents required under the Affordable Care Act (ACA). These notices explain the Health Insurance Marketplace (sometimes called the “Marketplace”) and guide employees on how to explore alternatives to employer-sponsored coverage.

According to the U.S. Department of Labor, employers subject to the Fair Labor Standards Act (FLSA) must provide these notices to all new employees within 14 days of their hire date. In Nevada, employees are directed to Nevada Health Link, the state’s official Marketplace, where they can review coverage options and check eligibility for financial assistance.

Why Employers Must Provide Marketplace Notices.
The ACA requires these notices so that employees are aware of their right to explore health insurance outside their workplace plan. Notices give employees clear, standardized information to compare employer coverage with Marketplace options.

• Nevada Health Link emphasizes that Marketplace plans may provide more affordable coverage, especially if premium tax credits are available.
• The U.S. Department of Labor confirms that while employers must distribute notices, there is currently no fine for failing to do so.

This requirement promotes transparency, ensuring that every worker has access to unbiased information about Nevada Health Link and potential cost-saving options.

Who Receives Health Insurance Notices?
Employers covered by the FLSA must give these notices to:

• All new employees within 14 days of hire, regardless of whether they qualify for the employer’s health plan.
• Both part-time and full-time workers.
• Employees at nearly all businesses with one or more employees.

Notices are not required for dependents or non-employees, since the law focuses on informing workers directly about Nevada Health Link coverage.

What Information Is Included in Marketplace Notices?
A typical health insurance notice from an employer provides:

• An explanation of what the Marketplace is and how to access it (in Nevada, through Nevada Health Link).
• Guidance on premium tax credits, including eligibility if the employer’s plan:
o Covers less than 60% of allowed costs, or
o Costs more than 9.04% of household income in 2025.
• A reminder that choosing a Marketplace plan may mean losing the employer’s contribution toward premiums, which could also affect tax advantages.

These details help employees understand how Marketplace coverage compares to their workplace plan.

How Notices Support Informed Decisions.
Marketplace notices empower employees by providing consistent, easy-to-understand details. For example:

• Nevada Health Link publishes open enrollment dates (November 1 to January 15). Coverage usually starts January 1 or February 1, depending on when enrollment is completed.
• Special enrollment periods are also available for qualifying life events, such as job loss, marriage, or birth of a child.
• The Nevada Division of Insurance ensures these notices remain accurate and aligned with federal rules.

The Kaiser Family Foundation has found that employees often rely on agents for help interpreting eligibility for subsidies, comparing premiums, and choosing between employer and Marketplace plans. Notices create the foundation for these decisions. Working with a licensed health insurance agent does not increase costs or add fees to your premium. Agents are paid by the insurance carriers, so employees gain the benefit of professional guidance, experience, and step-by-step support at no extra cost. With expert help available for free, it raises the question - why navigate these complex choices alone?

Relation to Other Health Insurance Documents.
Health insurance notices from employers are different from other plan materials. For example:

• Summary of Benefits and Coverage (SBC): Explains the details, costs, and coverage of a specific health plan.
• Marketplace Notices: Explain that Marketplace options are available and may include subsidies.

While an SBC is plan-specific, a Marketplace notice is designed to direct employees to Nevada Health Link for a broader look at available coverage and financial assistance. Both documents are important for making an informed choice.

Limitations of Marketplace Notices.
Although valuable, these notices do not include:

• Specific premiums or deductibles for the employer plan.
• Provider networks for Marketplace plans.
• Exact subsidy eligibility, which is officially determined through Nevada Health Link.
o However, Nevada Insurance Enrollment agents can use federal charts and guidelines to estimate eligibility and level of assistance you may qualify for.

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