Affordable Care Act open enrollment is scheduled between November 1 and December 15 for a January 1, 2021 effective date.
We previously offered Florida Blue plans to our clients and referred clients who wanted to buy from other carriers to other agents.
We’ve decided to terminate our contract with Florida Blue and have established a referral agreement with our former general agency for those clients who want Florida Blue policies in 2021. While we can no longer write Florida Blue policies or represent that carrier, our former general agency will help them make changes to their policies or help them re-enroll in their present policies, if any enrollment procedures are necessary.
We'll now be representing all other carriers offering ACA policies in the State of Florida. Many of these carriers are expanding their service areas and aggressively pricing their products so that one of them is most likely to be the lowest priced carrier in markets where they operate (e.g. all the larger counties in Florida).
We’ll be utilizing the Health Sherpa web-based quoting system for On-Exchange enrollments and that system will be using what is called EDE (enhanced direct enrollment) technology. This will enable us to enroll clients expeditiously without having to directly access the
healthcare.gov system except in unusual situations.
We’ll also be offering short-term health insurance and what are called limited benefits plans as lower-cost options for many clients, and as advisors to
MPB.Health will also be able to offer medical cost sharing plans to clients. None of these plan types are subject to open enrollment limitations and all can be offered on a year-round basis.
We’ve expanded our offerings of dental and vision plans and offer overseas medical insurance plans, as well as life insurance, annuities, short- and long-term disability plans, and True Freedom Home Care plans.
We feel these changes will permit us to provide better service and more options at lower cost to our clients.
While we haven’t seen any announcements concerning cost of 2021 ACA plans, we've seen an announcement from SHRM that large employers project their health benefits costs will rise 5.3% in 2021, although the COVID-19 pandemic is fueling uncertainty about overall expenses. As soon as we have details on 2021 ACA premiums and offerings we’ll be communicating more information in this newsletter.
Please contact us at 877-734-3884 or 561-734-3884 if your have any questions or concerns regarding the changes we're making.
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