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TRH/Farm Bureau has an off-exchange ACA compliant product in Hamilton County (only captive agents can sell). To my knowledge, nothing except BCBS on-ex in 2017 unless someone new is coming in. Which they would be crazy to do at this point.
This in combination of them pulling our broker portal has me pretty much wanting to throw my hands up and give up the on exchange biz.
If they were to pull out of the whole state or certain counties (I'm in Bradley) then there are no options for anyone here. Cigna/Humana don't write in our county on/off exchange. I had BCBS in 2014 but because of the increases I went with CHA for 2015 then to UHC for 2016. Both were not the best to deal with but were lower by 30% or more.They are shutting down the agent back door into hc.gov. (WBE/direct enrollment similar to health Sherpa or aca express but can only sell bcbs plans).
That's what I used if I knew they wanted Blue Cross because it was free. They are saying they can't afford to support the functionality anymore according to my rep.
I am also very concerned about a cascade effect. If BCBS decides in 3 weeks based on additional claims data that they can't afford to shoulder the burden of the 57 counties where they will absorb 100% of the subsidy crowd plus all of the other counties, they may pull out of the counties where there are other carriers available.
That leaves Cigna and Humana to shoulder everything in the more populous areas, which they may not be willing to do. Or BCBS could pull out completely, leaving 57 counties naked and Cigna and Humana may still pull out of the other ones.
Is this an all or nothing thing as far as the feds go? Can they pull out of just some counties they have filed for or do they have to pull out of the whole state?