individual health plans

Posted October 15th, 2019 in Producers, Individuals
The Centers for Medicare & Medicaid Services (CMS) recently announced plans to pilot healthcontingent wellness programs in the individual market, a practice that has been previously prohibited. However, the Affordable Care Act (ACA) included a provision calling for health-contingent wellness programs to be tested in the individual market, and that time has now come.   
 
Posted October 23rd, 2018 in Producers, Employers

Last week, the 2019 open enrollment period (OEP) season officially kicked off for Medicare beneficiaries. From October 15th to December 7th, Medicare beneficiaries can make changes or enroll in any Part D or Medicare Advantage plan that is available in their service area.

Below is a summary of OEPs for other market segments.   

Posted August 23rd, 2018 in Producers

The Flex General Agency partners with Molina Healthcare in Texas for Individual Health Plans

We are excited to add Molina Healthcare’s (Molina) individual health plans to our General Agency portfolio in the state of Texas. Molina is a Fortune 500 company and was strategically chosen as a carrier who has competitive individual health plans available on the Health Insurance Marketplace (Marketplace) and is growing in Texas.

Posted June 6th, 2018 in Employers, Producers, Individuals
As a part of Flex’s ongoing 30th anniversary celebration, we’d like to introduce you to some of our staff whose hard work and dedication has helped us to reach this important milestone.
 

Meet Larry

 
Larry Cassman is the Sales Manager for Individual and Medicare Sales. He has worked in the insurance industry for 18 years and at Flex for 11. Prior to that, Larry was a Stock Options Floor Trader at the Chicago Board of Exchange. 
 
Posted June 5th, 2018 in Producers, Individuals
We all know health insurance has an expensive price tag. Even plans with high deductibles and/or small provider networks can come with costly premiums. And for people who don’t have an employer chipping in for coverage, or for people who don’t qualify for premium assistance on the Affordable Care Act’s Health Insurance Marketplace, those premiums can be in the tens of thousands of dollars.
 

Enter Packaged Health Insurance

 
Posted September 21st, 2017 in Producers, Employers, Individuals
The so-called Individual Mandate has been considered a widely unpopular provision of the Affordable Care Act (ACA) which most Republicans want to repeal and even several Democrats want to change. As members of Congress talk about the various ways the ACA could be modified or improved, options to change the Individual Mandate are being explored.  
 
Posted September 5th, 2017 in Producers, Employers, Individuals
No, this article is not about the potential of the age rating ratio changing from 3:1 to 5:1. It’s about a different change that is actually going to happen in the individual and small group markets in 2018.
 
First, what is the age rating ratio? 
 
Posted August 30th, 2017 in Producers, Employers, Individuals
In September, Senators will return to Washington D.C. from their August recess. Almost immediately, they’ll begin taking up health care (again), but this time Democrats and Republicans will jointly consider changes. 
 
Posted February 16th, 2017 in Producers, Employers, Individuals

Approximately 12.2 million people signed up for coverage through federal and state-run Exchanges during the 2017 open enrollment period which ended on January 31st.

Posted December 30th, 2016 in Producers, Employers, Individuals
Last week, the Departments of Labor, Health and Human Services, and the Treasury (collectively the “Departments”) issued new guidance as the Affordable Care Act (ACA) continues to evolve.
 
 The guidance has been summarized into three different categories shown below:
 
1. Group Health Plans
 

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