Before enrollment begins, employees should understand the basic arrangement:
The employer provides an allowance toward individual health insurance.
Each employee chooses an available individual health insurance policy.
The employee is responsible for any premium amount above the available allowance.
Your enrollment communications should also explain:
Coverage effective date
Enrollment deadline
Available enrollment process
Information employees may need
Where employees can ask for assistance
Keep the communication short and direct rather than sending employees every plan detail at once.