Notice & DisclosureAnnual
State Insurance Mandates Compliance Verification
Varies by state
Fully insured plans are subject to state insurance mandates (e.g., infertility, autism, chiropractic). Broker/employer should verify carrier plan complies with mandates in situs state. Self-insured ERISA plans generally preempt state mandates but may voluntarily comply. Note for ICHRA employers: state mandate compliance may vary based on individual market coverage. Consult your ERISA attorney.
ResponsibleBroker
Deliver ToInternal compliance; participants benefit from compliant plan design
Legal timingAt plan inception; at each renewal; when expanding to new states
Our targetVerify at each renewal. This is our recommended timing, not a legal deadline for every plan. The legal timing is above.
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