The OE Brief: What’s Changing, What Matters brings together insights directly from Take Command’s carrier partners ahead of Open Enrollment. We asked each carrier the same six questions about what’s new for 2027, from affordability and network access to member experience and ICHRA. Here’s what Medica wants benefits consultants, employers, and employees to know as they prepare for the year ahead.
The Questions & Answers
Medica continues to invest in ICHRA-focused innovation for 2027, developing market-specific plans, networks, and benefit designs tailored to individual coverage needs. In Minnesota and Wisconsin, we’ve introduced plans designed to ease the transition from group to individual coverage, featuring lower copays, deductibles, and out-of-pocket costs to help make coverage more affordable and accessible for employees.
New for 2027, Medica Individual Choice expands into Minnesota as a statewide off-exchange product. Featuring a broad network that includes many of Minnesota's major health systems and participating providers across most border states, it offers greater access and flexibility. Also offered in Wisconsin, the portfolio grows from 6 to 9 plans with the addition of Share plans, delivering lower premiums, affordable primary care and specialist copays, and low-cost generic prescriptions alongside existing Copay Plus and HSA options.
Visit medica.com/shop/individual-and-family to learn more about the plan options we have in the states that we serve.
As a nonprofit health plan, Medica is committed to making healthcare more affordable by helping members access the right care at the right time. Through data-driven insights, provider partnerships, innovative care solutions, and investments in member support, Medica works to improve health outcomes, reduce unnecessary costs, and deliver greater value for the people and communities it serves.
Medica offers market-specific network options designed to balance choice, access, and affordability. Through strategic partnerships and value-based ACO networks, we work closely with providers to improve care coordination and help keep healthcare costs affordable. Our broad networks offer access to many major health systems and the convenience of seeing in-network providers without referrals, giving employees greater choice and confidence in their care.
To search our networks please visit: medica.com/find-care/select-your-individual-and-family-plan
We understand that choosing individual health coverage for the first time can feel overwhelming. That's why Medica created a simplified portfolio of ICHRA-focused plans in Minnesota and Wisconsin that more closely resemble traditional employer-sponsored coverage. With lower deductibles, copays, and out-of-pocket costs, plus access to our broadest provider networks, these plans help employees transition with confidence while providing predictable, affordable access to care.
Medica plans are designed to support whole-person health with benefits that make care more accessible and affordable. Members have access to covered mental health services with copay or coinsurance options based on plan design, preventive care covered at 100%, and $0 virtual care visits through Amwell® or Virtuwell® on non-HSA plans for many common conditions. Members can also earn rewards through My Health Rewards by Medica, including eligibility for a $50 sweepstakes entry, or rewards of $50 to $150 in select products, for completing an annual preventive exam.
The Bottom Line
Open Enrollment readiness is about more than knowing what’s changing. It’s about understanding your options and what matters most: cost, coverage, doctors, and care. We’re bringing carrier insights directly to you so you can head into 2027 informed, prepared, and ready to choose with confidence.
See What Carriers Are Saying
Every carrier brings a different perspective to Open Enrollment.
Let's talk through your HRA questions
Our HRA management solutions help companies of all sizes reimburse employees for health insurance, giving employees choice over what works best for them and promoting health and wellness within an organization. We offer ICHRA and QSEHRA administration software designed to be simple, effective, and empowering. Take Command is trusted by 7,000+ leading organizations and the only HRA administrator with in-house enrollment support.
