2018 Updates

Two of four insurers will no longer sell Obamacare plans in Indiana. The two remaining carriers in the New Jersey individual health insurance market for 2018 will be CareSource and Ambetter/MHS/Centene/Celtic. Both carriers will only offer limited access HMO plans with narrow networks of doctors and hospitals. Ambetter has an H.S.A. approved policy available, which is a big deal for clients who wish to leverage the H.S.A. tax advantages. In most situations, we will gravitate towards Ambetter as the recommendation for our clients who choose (or are forced to) stay on an individual ACA compliant plan for 2018. CareSource has historically used a smaller network of providers and their complaint ratios with the Department of Insurance (DOI) are the highest on the DOI’s Complaint Index for 2017.