Health Insurance Carrier Changes for 2016

This only applies to people covered by individual medical policies under the age of 65.

Many people are currently receiving confusing and frightening letters from their health insurance company. There are and will be many changes for 2016 and we are aware you may be getting letters your policy will be cancelled the end of the year or that you will have to choose a new plan. The state of Colorado has not yet approved and released all the plans for 2016, we are hopeful that this will be completed in 30-45 days and that we will be able to start looking at options at that time. We completely understand the delays resulting from this process can cause frustration and anxious feelings, as we experience the same. Please know that we do need to wait until all options are available to ensure you the best possible options are presented.

This is where each company stands to date:

Most Cigna and all Assurant clients will need to choose a new plan. All of the people on the western slope and many on the front range with Cigna are on a “grandmothered plan”. Due to state and federal legislature all of these plans are forced to cancel 12/31/2015. Assurant Health has made the decision to completely exit the individual health insurance market, this will be effective 12/31/2015.

Anthem will have many new plans available.
Kaiser, Humana and United Health One have not yet given us any information as to their new plans. Many with these companies are also covered by “grandmothered plans” which like the Cigna plans will be forced into cancellation 12/31/2015. Rocky Mountain, Anthem, and Humana are all non-renewing many of it’s ACA (Affordable Care Act) Plans and will offer new options for 2016.

Colorado HealthOp and Access Health Colorado will also offer options.

We will be happy to shop all the options for anyone interested as soon as they are available. If you would like to be added to the the list and for us to automatically start looking for options for you, please contact us. We will need to know any specific coverage aspects you would like, if you expect to be eligible for a subsidy , who all we need to quote coverage for, and if you expect any medical care in the coming year. We will be happy to answer any questions you have on this.

Thank you for your continued loyalty and your patience as we all manuever another open enrollment period.

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