The Illinois Department of Labor (IDOL) published the updated Illinois Consumer Coverage Disclosure Act (CCDA) template for 2025. Employers should begin using the 2025 template.
As a reminder, the CCDA requires employers to provide eligible employees with a disclosure that compares their coverage to essential health benefits required for coverage received through the Illinois marketplace. The disclosure must be provided upon hire, annually thereafter, and at the request of an employee.
The CCDA applies to all employers with employees in Illinois who provide group health insurance coverage. Importantly, this requirement applies to both fully insured and self-insured plans.
Employers who offer group health plans in Illinois should be aware of this ongoing requirement, review the updated 2025 template, and have discussions with carriers and TPAs, as applicable, to ensure compliance. Employers can also request a copy of the NFP publication Illinois Consumer Coverage Disclosure Act from their consultant or advisor.