60-Day Notice of Material Modification

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The ACA requires an employer offering group health coverage to provide a notice of plan modification to enrollees at least 60 days prior to the effective date of any modification. Material modifications generally include changes to anything listed in the plan’s SBC and changes to the employer contribution.

This 60-Day Notice of Material Modification rule applies to employers that make changes to their health plans in the middle of the plan year. This requirement does not pertain to carrier-issued renewal modifications.