When the Exchange plans (now called Mar­ket­place plans) were begun, the gov­ern­ment required that all employ­ers let employ­ees know of its exis­tence and some details. There was some con­fu­sion, as employ­ers assumed (and the gov­ern­ment did not make it clear either way) that the notice had to be pro­vid­ed annu­al­ly. Actu­al­ly, it does not – it only needs to be giv­en to employ­ees when they become eli­gi­ble for ben­e­fits offered by the employer.