Health Care Reform

Automatic Enrollment

Plan sponsors with more than 200 full-time employees must automatically enroll newly eligible full-time employees in the employer’s health plan subject to any permissible waiting period.  The way this will work is that the employer will provide a newly eligible employee with notice of the opportunity to enroll, details about how and when to enroll, and what will happen if the employee does not make an election.  During the enrollment period, an employee may make an election or choose to opt out of coverage.  However, if the employee fails to make any election, the employer must default the employee into major medical plan coverage.  Plan sponsors have a lot of open questions about this requirement.  Additional details and the effective date are expected to be established by regulations, which the DOL does not expect to publish before 2014.


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American Fidelity Assurance Company does not provide tax or legal advice.


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