WHAT HAPPENS IF YOU DON'T ENROLL?

Default coverage for 2016
If you do not enroll in your 2016 [Client] benefits between [date] and [date]: [insert default coverage details]

Reminder: Health insurance is now required
The health care reform law, also known as the Affordable Care Act (ACA), requires almost all U.S. citizens and legal residents to have health insurance or pay a penalty when they file their taxes. If you enroll in a medical plan offered through [Client], you will meet this requirement. Other options for meeting this requirement may include enrolling in a plan through another employer (such as your spouse’s or domestic partner’s employer, or your parent’s employer if you’re under age 26), a government plan such as Medicare or Medicaid, a private insurance plan, or a public health insurance marketplace (learn more at www.healthcare.gov).

Making benefit changes
After Open Enrollment ends on [OE end date], you may not change or cancel your elections during 2016 unless you experience a qualifying life event, such as a birth, marriage, or change in employment status. Otherwise, your next opportunity to change your benefits will be the 2016 Open Enrollment period. Please visit [Benefits Center URL] to learn more or to process a life event.