To: - The Hartford



To: All Employees

From: The Hartford HR Service Center

Date: Nov. 1, 2014

Subject: Health Insurance Marketplace Notice

The Affordable Care Act (the “Act”) requires The Hartford to send you this notice to provide basic information about the new Health Insurance Marketplace coverage options and the employment-based health coverage offered by The Hartford.

What is the Health Insurance Marketplace?

The Marketplace is designed to help all U.S. citizens find health insurance that meets their needs and fits their budget. It offers "one-stop shopping" to find and compare individual private health insurance options. Based on their household income, some people may also be eligible for a new kind of tax credit that lowers their monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in November for coverage starting as early as Jan. 1.

Who is eligible for Health Insurance offered by The Hartford?

The Hartford offers health coverage to all employees on its payroll who work at least 20 hours a week (unless the employee’s position is specifically excluded from coverage), and to spouses, domestic partners and eligible children.*

Does employer health coverage affect eligibility for premium savings through the Marketplace?

Yes. Because The Hartford offers its employees health coverage that meets the law’s standards, if you are eligible for coverage from The Hartford, you may not be eligible for a tax credit through the Marketplace, and you may wish, instead, to enroll in one of The Hartford’s health plan options.

The coverage offered by the company to its employees meets the law’s requirements for:

( “Minimum value” since the plan covers at least 60 percent - on average across the plan - of an employee’s health care costs in a given year; and

( “Affordability,” meaning an employee’s share of the premium is not more than 9.5 percent of his or her annual household income.

Please consider the following:

• If you enroll in the health coverage offered by The Hartford to its employees, the company contributes approximately 70 percent of your premium amount. You will lose this company contribution if you purchase coverage through the Marketplace.

• If you enroll in the health coverage offered by The Hartford, you can pay for that coverage on a pretax basis, lowering your taxable income. The portion the company pays is also not taxable to you. If you purchase coverage through the Marketplace, your payment for coverage is made on an after-tax basis.

Additional Information

Health Insurance Marketplace: Visit for information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area. Your Marketplace resource can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost.

The Hartford Health Care Plan: The Summary Plan Descriptions in the Reference Library on NetBenefits () contain detailed information about The Hartford’s health plan options. You may also contact The Hartford HR Service Center at 1.877.HR.AT.WORK (1-877-472-8967) to speak with a customer service associate.

If you do decide to apply for coverage in the Marketplace, the following information will be useful in completing the Employer Information section:

Employer Name: The Hartford Financial Services Group

Employer Identification Number (EIN): 06-0383750

Employer Address: One Hartford Plaza, T-1-173

Hartford, CT 06155

Employer Phone Number: (860) 547-5000

Who the Marketplace may contact: The Hartford HR Compliance Department

Contact Phone Number: (855) 356-1337

Contact Email Address: compliance.hr@

The Hartford offers a health plan to all employees on its payroll who work more than 20 hours a week, unless the employee’s position is specifically excluded from coverage, and to all spouses, domestic partners and eligible children.( The Hartford’s coverage meets the minimum value standard and the cost of coverage is intended to be affordable based upon employee wages.

( Complete information regarding eligibility for The Hartford’s health coverage can be found in the Summary Plan Descriptions in the Reference Library on NetBenefits (thehartford) or by calling The Hartford HR Service Center at 1.877.HR.AT.WORK (1-877-472-8967).

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