Notice & DisclosureAnnual
Employer CHIPRA Notice
75 FR 5808-11
Informs employees of possible premium assistance opportunities available in their state of residence.
ResponsibleBroker
Deliver ToAll employees, regardless of enrollment or eligibility status
Legal timingAnnually. No fixed federal date: it can go out with eligibility materials, open enrollment materials, or the SPD.
Our targetWith open enrollment materials, about 30 days before the plan year starts. This is our recommended timing, not a legal deadline for every plan. The legal timing is above.
Non-Compliance Penalties
Up to $145 per employee per day (ERISA § 502(c)(9)(A); the 2025 amount, unchanged for 2026). Each employee who doesn't get the notice is a separate violation.
Related Reading
Get Your Compliance Calendar →
Track this and 71 other federal requirements. Personalized to your plan.