Notice of Health Insurance Marketplace - Human Resources

Why Am I Receiving This Notice?

Starting October 1, 2013, individuals who wish to purchase their own health insurance policy will have the option to do so through a new online Health Insurance Marketplace. The Marketplace Notice contains a brief description of the Marketplace and some benefits and drawbacks of buying health insurance through the Marketplace. This notice must be sent to ALL employees, even those who are not eligible to participate in NMU?s group health plan.

NMU is sending this notice to employees to comply with rules under the federal Patient Protection and Affordable Care Act (ACA), also known as Health Care Reform. The notice provides instructions on how to access information about the Health Insurance Marketplace, which are health plans offered to you by either your state or the U.S. Department of Health and Human Services.

What Do I Need to Do?

If you are currently eligible to participate in NMU?s group health plan, you do not need to take further action. NMU?s group health plan may provide more coverage at a lower cost to you than a Marketplace health plan.

If you are currently not eligible to participate in NMU?s group health plan, you may choose to obtain health coverage through the Marketplace. Depending on your household income, you may also be eligible for a tax credit and/or premium assistance to help reduce the cost of health coverage obtained through the Marketplace.

If you are uncertain as to whether you are eligible for NMU?s group health plan coverage, please refer to page two of the notice for a listing of eligible and non-eligible employees.

What If I'm Interested in Marketplace Coverage?

Go to www.HealthCare.gov to review the plans available in your state. Keep a copy of the notice because it has information you'll need to enroll in Marketplace coverage.

Have Questions about Marketplace Coverage?

Call 1-800-318-2596 (TTY: 1-855-889-4325) or visit www.HealthCare.gov.

Please note that NMU has no information or expertise on Marketplace health plans, and NMU Human Resources representatives are not allowed to answer questions regarding these options.

How do I View the Notice?

Click here to view the Marketplace Notice. You must have Adobe Reader available on your computer. The notice is also available anytime by visiting: www.nmu.edu/hr, click on Services, then Annual Compliance Notices. If you would like a paper version of this document, please contact Heather Haupt or Kimberly Hongisto at (906) 227-2330 or via e-mail hleisner@nmu.edu or khongist@nmu.edu.