Departing from the ACA in Idaho by Rick Murray

February 20th, 2018

Keep an eye on Idaho, a hot potato is about to be served!  Blue Cross of Idaho has submitted five plans (their Freedom Blue plans) that they plan on selling in Idaho, that would NOT comply with Obamacare.  What will HHS do?  What will the Trump administration do?  What are all the other ripple effects with ACA fines and filings?  No one knows yet, here’s what we do know;

With Freedom Blue Plans there could be a potential increase in premiums of up to 50% based on the applicant’s family medical history
Freedom Blue Plans will have a $1,000,000 annual benefit limit
With these new plans you could be denied for pre-existing conditions (unless continuous coverage was maintained)
Premiums for these plans are 25% - 50% lower than Obamacare plans
Blue Cross of Idaho will still continue to offer their suite of Obamacare compliant plans separately

We will keep you posted as this unfolds, our thoughts; Obamacare is still the law of the land – until we receive different guidance from HHS or the Trump Administration we recommend that all employers (but ALEs in particular) develop a strategy and implement policies that are compliant with The ACA as written currently.

2018 Small Group/Member Applications NJ

January 22nd, 2018


Aetna Employee App 1-50

Aetna Master App 1-50

Aetna EmployeeAPP NJ 51-100

Aetna Master App NJ 51-100

Aetna NJ Waiver 2018




AmeriHealth Small Group App 2018

AmeriHealth Small Group EmployeeApp 2018

AmeriHealth Waiver 2018


Horizon BCBS

Horizon Enrollment Form

Horizon Master Application

Waiver Form



2018 Oscar Small Business Employee Enrollment Form

2018 Oscar Small Business Enrollment FormOxford





NJSG Mem Enrollment Change Form - OHI

NJSG Mem Enrollment Change Form - OHP

NJ SM Group Waiver of Coverage



Qualcare Small Group Master App