Off Exchange Insurance Companies?

Sep 1, 2016

  1. Tim Resnick
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    Tim Resnick Super Genius

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    Hi Friends,

    I'm not sure if i'm phrasing this right, but Are there insurance companies that are ACA compliant, that are not on the exchange?

    In other words, PPO's or other carriers that are not on the exchange but someone can purchase and get credit for having purchased ACA compliant insurance?

    In my state, i believe that all the carriers on the exchange are HMO'S
    (i'm in fla), but what about the PPO's?

    Are there some carriers that are compliant but not on the exchange?

    Forgive the question...just a beginner...and learning.

    Thanks for your help!

    ~Tim
     
  2. kgmom219
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    kgmom219 What's Next?

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    State:
    Texas
    Yes.

    For Individual Policies, that are ACA compliant, a carrier can offer both On and Off Exchange policies. Or just one or the other.

    Its state/county specific to determine what is available.

    Hope this helps and good luck!
     
  3. Tim Resnick
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    Tim Resnick Super Genius

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    ...ok thanks kgmom!
    ---------------------------------------------------
    I understand that people who want a supplemental plan would be purchasing some kinda rider or discount limited plan.

    Are there any companies names that anyone can share that sell "full coverage" plans that are not on the exchange but compliant?

    Thanks again
    ~Tim
     
  4. Yagents
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    Yagents Guru

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    The off market will be almost non existent next year.

    In FL, I mostly sold Humana's National POS plan Off Market. But now, it's tough or almost impossible to apply for it, only phone apps, and no agent involvement.

    Same for UHC, and Cigna. Only Cigna in some counties will be avail next year.

    Along with Florida Blue in every county, but they are a captive agent model, and can't be paid a commission. Av-Med sells in a few counties.
     
    Yagents, Sep 1, 2016
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  5. Gulfman
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    Gulfman Guru

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    State:
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    So basically, Ins.Companies that are OFF EXCHANGE are;

    1. Not accepting agents?
    2. If they are accepting agents, are only paying a "flat fee" per applicant?

    *Is this correct?

    Thanks!
     
    Last edited: Sep 24, 2016
    Gulfman, Sep 24, 2016
    #5
  6. Yagents
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    Yagents Guru

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    Some are appointing, some are not. :no:

    Some are paying, some are not. :no:

    Some are captive, some are not. :no:

    Some will survive, some will not. :no:


    Sum of all the parts = APTC eligible. :twitchy:
     
    Yagents, Sep 24, 2016
    #6
  7. FLM2
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    FLM2 Guru

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    There sure are a lot of 'Somes' in this post, can you be more specific?
     
    FLM2, Sep 24, 2016
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  8. Alston
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    Alston Guru

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    In Connecticut for 2017 there will be two companies on the exchange. Neither will pay commissions.

    There will be about a half dozen carriers off the exchange. I think all will pay commissions. Some are so overpriced that they might as not be in the game at all. The ones that are competitive, paid $16 per month per member last year.
     
    Alston, Sep 24, 2016
    #8
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