Countdown to the 2025 OEP
The U65 Open Enrollment season is here!
CMS’ Plan Year 2025 Resources
State Exchange Information
| OEP Notes and Dates The states that run their own exchanges can set their own enrollment deadline, as long as it’s not earlier than December 15. For 2024 coverage, 19 fully state-run exchanges have the option to set their own open enrollment schedules. This includes Virginia, which is debuting a new state-run exchange platform in the fall of 2024.Most of these state-run exchanges choose to follow the same November 1 – January 15 schedule that HealthCare.gov uses. But some opted for different schedules. Here are the open enrollment windows that the state-run exchanges are using for 2024 coverage. (Dates that vary from the HealthCare.gov schedule are shown in bold font, in some cases, deadlines are from prior year data until updated information is available):California: November 1 to January 31 (in previous years, renewals began October 1)Colorado: November 1 to January 15Connecticut: November 1 to January 15District of Columbia: November 1 to January 31Idaho: October 15 to December 15 (Idaho is the only state where open enrollment ends in December)Kentucky: November 1 to January 15Maine: November 1 to January 15Maryland: November 1 to January 15Massachusetts: November 1 to January 23Minnesota: November 1 to January 15Nevada: November 1 to January 15New Jersey: November 1 to January 31New Mexico: November 1 to January 15New York: November 16 to January 31Pennsylvania: November 1 to January 15Rhode Island: November 1 to January 31Vermont: November 1 to January 15Virginia: November 1 to January 15Washington: November 1 to January 15Arizona and Oregon have both announced state-based exchanges. More information will be coming soon! Most Certifications will be opening in September. CaliforniaClick here to certify with the California State Exchange. Click here to view the step-by-step process. |
| ColoradoClick here to certify with the Colorado State Exchange. Click here to view the step-by-step process. |
| ConnecticutTo register, email [email protected]. To learn more, email [email protected]. |
| DCClick here to certify with the DC State Exchange. |
| GeorgiaClick here to certify with the Georgia State Exchange. Click here to view certification and form reminders. |
| IdahoClick here to certify with the Idaho State Exchange. |
| Kentucky – Certification for 2023 is Open!Click here to certify with the Kentucky State Exchange. To learn more, access training resources here. |
| MarylandClick here to view the 2024 QHP Update Presentation. Click here to view the Open Enrollment Updates Presentation. Click here to view the Best Practices Presentation. Click here to view the Race & Ethnicity Presentation. Click here to view the Broker Manual. Click here to view the step-by-step process. |
| MassachusettsClick here to certify with the Massachusetts State Exchange. |
| MinnesotaClick here to certify with the Minnesota State Exchange. |
| NevadaClick here to certify with the Nevada State Exchange. Click here to view the step-by-step process. |
| New JerseyClick here to certify with the New Jersey State Exchange. |
| New Mexico – Certification for 2023 is Open!Click here to certify with the New Mexico State Exchange. |
| New YorkInformation coming soon. |
| PennsylvaniaCick here to certify with the Pennsylvania State Exchange. |
| Rhode IslandClick here to certify with the Rhode Island State Exchange. |
| VermontInformation coming soon. |
| Virginia Click here to certify with the Virgina State Exchange. Click here for FAQs Click here for Assisters Town Hall Info Click here for How to Enroll Members of a Household in Different Plans |
| Washington Click here to certify with the Washing Health Benefit Exchange. |
Binder Payment Extensions
Alliant:
The SoloCare premium payment deadline for new policies with a 1/1/2024 effective date has been extended. New Members now have until 1/31/2024 to pay and activate their coverage.
Molina:Molina Marketplace has EXTENDED the January premium payment due date to January 31st, 2024, except for members in New Mexico.
Carriers by State
To view carriers by state, click here.
Carrier Resources
Aetna
Click here to view Aetna’s 2025 Individual and Family Plans by county
CareSource
Click here to view CareSource’s 2025 Georgia Marketplace Competitive Analysis.
Click here to view CareSource’s 2025 Indiana Marketplace Competitive Analysis.
Click here to view CareSource’s 2025 Kentucky Marketplace Competitive Analysis.
Click here to view CareSource’s 2025 Michigan Marketplace Competitive Analysis.
Click here to view CareSource’s 2025 Ohio Marketplace Competitive Analysis.
Click here to view CareSource’s 2025 West Virginia Marketplace Competitive Analysis.
Molina
Click here to view Molina’s 2025 Marketplace
Oscar
Click here to view Oscar’s Silver Plan availability
United Healthcare
Click here to view UnitedHealthcare’s PY24 IFP Consumer Brochure.
Click here to view UnitedHealthcare’s Carolina Guide.
Click here to view UnitedHealthcare’s E-Store Guide.
Carrier AOR Policies and Deadlines
| Carrier | Agent of Record |
| Aetna | AOR Change Deadline: Change deadline either before the start of the calendar year or active enrollment period (SEP). AOR Policy: The AOR will become effective the last day of the calendar year and remain in effect throughout the year unless a member makes a plan change or specifically requests it. |
| AmeriHealth | AOR Change Deadline: Follows the 834 file from Healthcare.gov. AOR Policy: Processing date matches the 834 file; off-exchange changes require a member-signed AOR form. |
| Ambetter | AOR Change Deadline: Change deadline is the last day of the calendar year. AOR Policy: The AOR will become effective the last day of the calendar year and will be locked in for the remainder of the calendar year. This includes new enrollments, renewals, brokered and non-brokered membership. For renewal rollovers, the designated AOR will rollover as well. |
| Ascension – US Health and Life | AOR Change Deadline: Change deadline either before the start of the calendar year or active enrollment period (SEP). AOR Policy: AOR will be locked in for policy year (January thru December). During SEP enrollments will have the agent listed on the first active enrollment period. |
| AvMed | AOR Change Deadline: Notify AvMed by the last day of the month for the change to be effective the next month. AOR Policy: Changes are made through CMS; no OEP/AEP restrictions. |
| BCBSNC | AOR Change Deadline: Submit changes before the 20th of the previous month for a 1st of the month effective date. AOR Policy: Carrier will not change the AOR during the AEP or OEP without an actual Plan Change. |
| BCBSSC | AOR Change Deadline: Submit changes before the 20th of the previous month for a 1st of the month effective date. AOR Policy: AOR is determined by the 834 received from the Marketplace for both OEP and SEPs, with documented consent required. |
| BCBSTN | AOR Change Deadline: Submit changes before the 20th of the previous month for a 1st of the month effective date. AOR Policy: AOR is determined by the 834 received from the Marketplace for both OEP and SEPs, with documented consent required. |
| BCBSTX | AOR Change Deadline: Last day of the month; specific deadlines for 1/1 and 2/1 effective dates. AOR Policy: AOR changes made during open enrollment with “producer-owned” status; no change in the plan necessary. |
| CareSource | AOR Change Deadline: The transfer effective date will be the first day of the month following receipt of this form. Retroactive transfer dates will not be accepted. AOR Policy: Members wanting to change their AOR must complete and submit CareSource’s PRODUCER OF RECORD TRANSFER FORM. The transfer effective date will be the first day of the month following receipt of this form. Retroactive transfer dates will not be accepted. Form must be completed in entirety, and all signatures and signature dates must be signed within 30 calendar days of receipt of the form. |
| Cigna | AOR Change Deadline: Use AOR forms; case-by-case changes based on CMS data and actions, otehrise AOR is locked AOR Policy: First in is the AOR; changes based on significant actions. |
| Christus | AOR Change Deadline: Eligibility files are received from the Marketplace, Christus does not directly handle AOR changes AOR Policy: Confirmation needed from Eligibility department. |
| Health Alliance | AOR Change Deadline: Depends on the type of policy (Group, Medicare Advantage, Individual Direct, or Individual Marketplace). AOR Policy: Accepts letters or confirmation from the FFM. |
| Health First | AOR Change Deadline: Changes made upon receiving a file from CMS or a signed AOR form from the member. AOR Policy: Changes during OEP or when an SEP plan change is made. |
| Molina | AOR Change Deadline: Follows the 834 file from Healthcare.gov. AOR Policy: Processing date matches the 834 file; off-exchange changes require a member-signed AOR form. |
| Oscar | AOR Change Deadline: Changes effective the month following the request to avoid commission interruptions. AOR Policy: Changes made by the exchange for exchange members; off-exchange changes require a member-signed AOR form. |
| United Healthcare | AOR Change Deadline: Effective immediately upon notification from the exchange. AOR Policy: Refer to the IFP Agent Guide on Jarvis for AOR change guidelines. |
FFM Certifications
All agents must acquire FFM Certification to be eligible to sell for all ACA carriers.
Click here to view the 2025 Health Insurance Marketplace Registration and Training for Returning Agents and Brokers.
Click here to view the 2025 Health Insurance Marketplace Registration and Training for New Agents and Brokers.
Binder Payment Information
Aetna
Clients can make a payment three ways:
- Online by visiting AetnaCVSHealth.com/payment
- By phone by calling 1-844-365-7373
- In person by visiting a CVS Pharmacy® store location
Alliant
Pay online: https://enrollment.alliantplans.com/SalesPortal/alliantcms
By phone: (866) 403-2785
NEW! In-person with cash or debit card at any Kroger location in Georgia – visit the Customer Service desk with your Member ID (as shown on your invoice)
Check – Mail to PO Box 1128, Dalton, Georgia 30722
Ambetter
Auto Pay
Auto pay saves you time and is worry-free. Set up a recurring Ambetter payment each month so you’ll always pay on time! Find instructions and sign up in your online member account. Enroll in Auto Pay now.
Make A Quick, One-Time Payment
Members can make a quick, one-time payment through Softheon by clicking here.
Choose Paperless Billing
Select paperless billing to view your bills online, save clutter and help the environment! It’s convenient and secure through your member account. Log in to set up paperless billing today.
Pay By Phone
Call Ambetter billing services to pay by phone. Pay using our Interactive Voice Response (IVR) system. Select your state to find the phone number for your area by clicking here.
For Additional Ways to Pay, by mail or MoneyGram®, log into your member account or look on the back of your invoice to get specific payment information.
AmeriHealth Caritas Next
- Enrollee will be sent a bill
- Enrollee can pay online through Softheon
- Enrollee can call Amerihealth Caritas Next’s secure payment line at 866.591.8092
- Enrollee can call the Member Services department and pressing the prompt for making a payment. A Member Services representative will then transfer your client to Softheon to pay on the phone. Visit AmeriHealth Caritas Next’s Contact Us page to get the phone number of your Member Services team.
- By mailing a check payable to AmeriHealth Caritas Next. You can find the address through Softheon.
Anthem Blue Cross Blue Shield
- Customer Service and payments – 855-748-1810
- www.Anthem.com – Set up profile for access to more features. The official Site of Anthem Blue Cross Blue Shield, a trusted health insurance plan provider. Shop plans for Medicare, Medical, Dental, Vision & Employers.
- Use the new Sydney app on your phone.
Ascension Personalized Care
Click here to view how your clients can make payments with Ascension Personalized Care.
AvMed
Click here to learn how to verify your FFM portal with AvMed.
Click here to view AvMed’s guide to completing the binder payment.
All AvMed Plan Members have access to the AvMed Member Portal which allows you to access plan information, tools and pay your bills online.
BlueCross BlueShield of North Carolina
Blue Cross NC offers several convenient methods for paying your premium. In all cases, premium payments must be posted by 6 p.m. Eastern Standard or Daylight Savings Time:
- Online – The subscriber can establish electronic transfers from a bank account to pay your premium online. Go to your Account Summary in Billing & Payments.
- Make a one-time payment
- Set up automatic recurring payments. When you set up AutoPay, you will no longer receive invoices via paper mail. E-mailed invoices are available.
- Enrollees can also click here to make their first payment.
- Check – Include a check with your monthly invoice and mail it to Blue Cross NC at the address on the invoice.
- Credit or Debit Card – Credit or Debit card payments may be made online. Go to your Account Summary in Billing & Payments to make a one-time payment.
- Phone – Call 1-800-333-7009 or 1-888-802-2386 to make a one-time payment with a credit card, debit card or bank draft.
BlueCross BlueShield of South Carolina
Binder payments for BlueCross BlueShield of South Carolina can be made one of three ways:
- Online by logging into My Health Toolkit®
- By phone by calling 855-404-6752
- In person by visiting a South Carolina BLUE℠ retail center to pay your bill. There are locations in Greenville, Columbia, Mount Pleasant, and Myrtle Beach. Click here to find a location.
BlueCross BlueShield of Oklahoma
Please log in to sign up for Auto Bill Pay. If you need help, call Customer Service at 1-866-520-2507.
Click here to go to the website.
BlueCross BlueShield of Texas
Online
Make a one-time payment by bank draft through OrbiPay®*. Visit OrbiPay’s secure website, and see the instructions to make your payment.
By Recurring Payments
Set up recurring electronic funds transfer (EFT) by calling Customer Service toll free at 888-697-0683.
By Person Check Over The Phone
Call the OrbiPay payment line toll-free at 877-433-3755. Please have your member ID number, bank routing number and bank account number ready. Your payment will be applied within 24 hours.
In Person
Bring a copy of your premium invoice, which includes your member ID number and your “receive code,” to any of the MoneyGram® locations near you (including most Walmart, ACE Cash Express and CVS stores) and pay with cash. MoneyGram locations in Walmart stores also take debit card payments. Payments made in person will be applied to your account within 1-2 business days.
By Credit or Debit Card
Pay using a credit, debit or pre-paid debit card: Call 866-654-8569 and enter the necessary information when prompted to make your payment. Or log into your Blue Access for Members account and look for the Billing & Payments section. Payments made with a card will be applied to your account within 1-2 business days.
By Mail
Pay your premium by mail with a personal check, cashier’s check or money order. To do so, be sure you:
- Make the check payable to Blue Cross and Blue Shield of Texas
- Write your account/member ID number on your check, cashier’s check or money order
- Include the payment coupon that was sent to you with your bill
- Send your payment at least 5 business days in advance of the payment due date to ensure timely posting to your account.
- Mail your payment to the address on your premium invoice.
BlueShield of Arizona
Manage your billing and payments with ease.
Call to pay: 844-729-2583
BlueCross BlueShield of Illinois
To pay by phone, call BCBSIL Customer Service at 1-800-538-8833 and select Make a Payment.
Caresource
Click here to make a binder payment.
Pay by Phone: This free service is available by calling the number below. Use this automated service to pay with a credit card, debit card, or bank transfer.
1-833-230-2099 (TTY: 711) – or to pay online by clicking here.
Cigna
- Cignaindividual.com/payment
- Can take credit card for first payment or can set up auto-pay with banking information
- IFP Billing & Enrollment: 877.484.5967
- Check or money order to:
- P.O. Box 30028
Tampa, FL 33630
- P.O. Box 30028
- myCigna.com > Pay My Bill
- Use the MyCigna app on your phone.
- Five business days after the first payment is processed, the member will be able to register for mycigna.com
- Once registered for mycigna.com the customer can make all subsequent payments from mycigna.com using myBill (Pay My Bill)
- Access Cigna’s Binder Payments Guide here
Health Alliance
Pay by phone 866-247-3296
24/7 Member Help
Highmark Delaware
Molina Healthcare
Click here to make a binder payment.
Click here to make a one-time payment.
Pay by Phone
CA 800.772.5327
FL 800.375.7421
ID 877.672.1646
IL 877.473.6017
KY 888.466.4477
MI 800.503.6593
MS 800.295.3859
NV 877.669.2545
OH 800.339.8459
SC 800.400.7957
TX 844.359.0201
UT 800.573.6844
WA 800.525.4554
WI 844.278.1130
Oscar
Here are the ways clients can make their own payments:
- Online: Pay through their web account or the Oscar mobile app with a bank account or debit card. They can set up AutoPay there, too. CA on-exchange members can also pay by credit card through their accounts.
- Over the phone: They can call (855) 672-2755 and should have their bank account info handy (sorry, no debit or credit cards).
- By mail: Yes, it’s 2020 but we still accept checks. This is the least preferred method and will take longer to process. Your clients can follow the instructions provided on their bill to mail in payments.
UnitedHealthcare
Clients can make their Binder payment via the following options:
- Member Portal, www.myuhc.com/exchange
- Visit https://uhc.care/paynow
- Call Member Services at the specific state number below
- AL – 888-200-0327
- AZ – 877-482-9045
- FL – 888-200-0405
- GA – 800-609-9754
- IL – 888-200-0325
- LA – 866-268-6438
- MD – 800-691-0021
- MI – 888-200-0324
- NC – 800-980-5357
- OK – 800-980-5319
- TN – 877-250-8188
- TX – 866-811-2704
- VA – 877-265-9199
- WA – 888-832-0969
Carrier Heat Maps
Oscar
Click here to view the 2025 Oscar Silver Market heat map (1).
Click here to view the 2025 Oscar Silver Market heat map (2).
Click here to view the 2025 Oscar Silver Market heat map (3).
Carrier AOR Policies and Deadlines
| Carrier | Agent of Record |
| Aetna | AOR Change Deadline: Change deadline either before the start of the calendar year or active enrollment period (SEP). AOR Policy: The AOR will become effective the last day of the calendar year and remain in effect throughout the year unless a member makes a plan change or specifically requests it. |
| AmeriHealth | AOR Change Deadline: Follows the 834 file from Healthcare.gov. AOR Policy: Processing date matches the 834 file; off-exchange changes require a member-signed AOR form. |
| Ambetter | AOR Change Deadline: Change deadline is the last day of the calendar year. AOR Policy: The AOR will become effective the last day of the calendar year and will be locked in for the remainder of the calendar year. This includes new enrollments, renewals, brokered and non-brokered membership. For renewal rollovers, the designated AOR will rollover as well. |
| Ascension – US Health and Life | AOR Change Deadline: Change deadline either before the start of the calendar year or active enrollment period (SEP). AOR Policy: AOR will be locked in for policy year (January thru December). During SEP enrollments will have the agent listed on the first active enrollment period. |
| AvMed | AOR Change Deadline: Notify AvMed by the last day of the month for the change to be effective the next month. AOR Policy: Changes are made through CMS; no OEP/AEP restrictions. |
| BCBSNC | AOR Change Deadline: Submit changes before the 20th of the previous month for a 1st of the month effective date. AOR Policy: Carrier will not change the AOR during the AEP or OEP without an actual Plan Change. |
| BCBSSC | AOR Change Deadline: Submit changes before the 20th of the previous month for a 1st of the month effective date. AOR Policy: AOR is determined by the 834 received from the Marketplace for both OEP and SEPs, with documented consent required. |
| BCBSTN | AOR Change Deadline: Submit changes before the 20th of the previous month for a 1st of the month effective date. AOR Policy: AOR is determined by the 834 received from the Marketplace for both OEP and SEPs, with documented consent required. |
| BCBSTX | AOR Change Deadline: Last day of the month; specific deadlines for 1/1 and 2/1 effective dates. AOR Policy: AOR changes made during open enrollment with “producer-owned” status; no change in the plan necessary. |
| CareSource | AOR Change Deadline: The transfer effective date will be the first day of the month following receipt of this form. Retroactive transfer dates will not be accepted. AOR Policy: Members wanting to change their AOR must complete and submit CareSource’s PRODUCER OF RECORD TRANSFER FORM. The transfer effective date will be the first day of the month following receipt of this form. Retroactive transfer dates will not be accepted. Form must be completed in entirety, and all signatures and signature dates must be signed within 30 calendar days of receipt of the form. |
| Cigna | AOR Change Deadline: Use AOR forms; case-by-case changes based on CMS data and actions, otherwise AOR is locked AOR Policy: First in is the AOR; changes based on significant actions. View additional AOR policy details for Plan Year 2025 here. |
| Christus | AOR Change Deadline: Eligibility files are received from the Marketplace, Christus does not directly handle AOR changes AOR Policy: Confirmation needed from Eligibility department. |
| Health Alliance | AOR Change Deadline: Depends on the type of policy (Group, Medicare Advantage, Individual Direct, or Individual Marketplace). AOR Policy: Accepts letters or confirmation from the FFM. |
| Health First | AOR Change Deadline: Changes made upon receiving a file from CMS or a signed AOR form from the member. AOR Policy: Changes during OEP or when an SEP plan change is made. |
| Molina | AOR Change Deadline: Follows the 834 file from Healthcare.gov. AOR Policy: Processing date matches the 834 file; off-exchange changes require a member-signed AOR form. |
| Oscar | AOR Change Deadline: Changes effective the month following the request to avoid commission interruptions. AOR Policy: Changes made by the exchange for exchange members; off-exchange changes require a member-signed AOR form. |
| United Healthcare | AOR Change Deadline: Effective immediately upon notification from the exchange. AOR Policy: Refer to the IFP Agent Guide on Jarvis for AOR change guidelines. |
Carrier Registration Codes
CHRISTUS Health Plan 2024: MFG2823HIX
CMS Documents
FAQ & SEP Guide
Click here to view CMS’s guide to avoid DMI’s.
Click here to view CMS’s FAQ page.
Click here to view CMS’s guide on SEPs.
CMS Marketplace Advertising & Marketing Guidelines
Advertising and Marketing Tips
The Marketplace and Cybersecurity
The Marketplace & Cybersecurity
CMS Preventing Duplicate Marketplace Applications
Preventing Duplicate Marketplace Applications
Preparing for the Plan Year 2025
Click here to view the CMS Video Resource
Click here to to read the CMS text resource