Guidance for Select Carriers
As Open Enrollment ends, individuals are receiving enrollment information from their insurance companies and taking advantage of their health coverage. A few carriers are experiencing slowness in application processing, approvals, and premium payments. Take Command is aware of these challenges and actively working with carriers to resolve issues & ensure coverage for clients. This information provides guidance on when to reach out to Take Command if enrollment and coverage questions arise.
Guidance & Updates for Select Carriers
Stay up to date on carrier information that may impact members' enrollment, premium payment, and overall insurance experience. Updates will include directions where action is required as well as informational-only news.
Insurance Carriers with Known Issues
Take Command will update the carrier-specific information below.
Ambetter has reported experiencing a delay processing some 2025 applications, resulting in delays for the January payment.
If you are on AutoPay with Take Command (ie. your premium is paid by payment information provided by Take Command):
What Should I expect?
Expect to receive communications via email once your payment has been resolved. If you need to seek medical care in the interim, please continue to use in-network providers and save all receipts for any out-of-pocket expenses. You can submit those directly to Ambetter for reimbursement up to the terms of your policy once payment has processed.
No direct action is required by the member at this time. Take Command will reach out directly if any action is required.
Anthem has reported experiencing an issue processing some 2025 payments, resulting in failed payment communications being sent out to some members.
If you are on AutoPay with Take Command (ie. your premium is paid by payment information provided by Take Command):
What Should I expect?
Expect to receive communications via email once your payment has been resolved. If you need to seek medical care in the interim, please continue to use in-network providers and save all receipts for any out-of-pocket expenses. You can submit those directly to Anthem for reimbursement up to the terms of your policy once payment has processed.
No direct action is required by the member at this time. Take Command will reach out directly if any action is required.
CareSource is experiencing delays in processing some January premium payments, which is also affecting whether some plans display as active or not. Take Command has provided all enrollment and payment information to CareSource and the CareSource team is working diligently to apply payments this week (week ending January 18th). Additionally, CareSource agreed to accept binder payments until 1/31/25.
Important: Any individuals who had an "On Exchange" policy in 2024, but an "Off Exchange" policy in 2025, MUST contact healthcare.gov to cancel their 2024 "On Exchange" policy. Emails have been sent to all impacted employees with instructions. If you have received this email, please take action promptly.
What Should I Expect?
Communications will be sent via email once your payment has been resolved. If you need medical care in the interim, continue using in-network providers and save receipts for any out-of-pocket expenses. These can be submitted to CareSource for reimbursement based on your policy terms.
Next Steps
No action is needed for delayed payments at this time.
If you received an email from with instructions to cancel your 2024 "On Exchange" plan, please take action promptly.
Requests for Information, Cancelled or Denied Coverage Notifications: Please reach out to Take Command and our Access to Care team will assist you. Take Command via chat, email, or by calling 1-855-TCH-HRAS (824-4727).
The University of Michigan Health Plan has reported issues with ID cards for some members. These include:
What should I expect?
Do I need to take action?
Carriers with No System-Wide Issues
There are no widespread challenges affecting the majority of insurance companies, including the ones listed below as well as other not specified on this page.
New or significant information that may require attention and action.
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The latest news about active issues we're working with carrier partners and recent resolutions.
Due to the carrier's system processes, individuals who enrolled in Anthem plans during their enrollment period may receive an automated email from Anthem requesting their qualifying life event documentation. They can disregard this request. Take Command provides the necessary information when submitting applications.
Note, if an individual enrolls in an Anthem plan at another point during the year after experiencing a qualifying life event aside from an offer of an HRA (such as birth, marriage, move to a new zip/county, etc.), Take Command will require documentation from the individual.
Separately, there was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!
There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!
In addition to Take Command's audits, Kaiser Permanente specialists are also monitoring employees' accounts to ensure AutoPay payments are pulled correctly by the carrier. Any payments that do not process automatically will be processed manually.
There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!
Take Command is working with Medica to set up recurring AutoPay payments for March. In the event any recurring payments are not set up, Take Command will make one-time payments and continue working on recurring payment set-up.
Moda is experiencing payment discrepancies and delays, but is actively engaged with Take Command as we partner with them to resolve any issues.
An automated action in Oscar's system was inadvertently triggered on February 19th, which mistakenly renewed 2025 insurance policies for a number of former Oscar members.
Individuals who previously had an Oscar policy in 2025, but not in 2026, may see a communication about a 2026 policy that they did not select. They can disregard. No action is necessary!
There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!
Select Sentara enrollments were processed by the carrier without completing AutoPay setup. Sentara will be pulling premium payments and completing the AutoPay setup for affected employees.
There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!
The carriers below are expanding into new markets for the 2026 plan year, including both new states and additional counties within their existing states.
| Nevada | New to the state |
| Florida | New to Following Counties: Indian River, St Lucie, Martin, Palm Beach, Miami-Dade |
| Indiana | New to Following Counties: Evansville - Vanderburgh, Warrick, Posey, Gibson, Dubois, Kokomo-Howard, Anderson-Madison |
| North Carolina | New to Gaston County |
| Virginia | New to Following Counties: Richmond-King William, Caroline, King and Queen, New Kent |
| Arizona | New to Pima County |
| Illinois | New to Lake County |
| Mississippi | New to Following Counties: Copiah, Hinds, Madison, Rankin, Simpson, Warren |
| Florida | New to Following Counties: Collier, Lake, Marion |
| Kentucky | New to Bourbon County |
| Ohio | New to Following Counties: Carroll, Hardin |
| Texas | New to Following Counties: Fannin, Grayson, Hood, Rockwall, Wise |
| Alabama | New to the state |
| Mississippi | New to the state |
The carriers below are exiting some markets for the 2026 plan year. Aetna has decided to exit the individual market as a whole.
| Exiting these states: | Arizona, California, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Maryland, Missouri, New Jersey, Nebraska, North Carolina, Ohio, Texas, Utah, Virginia |
| Michigan | Exiting the Following Counties: Macomb, Monroe, Oakland and Wayne Counties |
| Florida (off-exchange) | Exiting the Following Counties: Bay, Calhoun, Charlotte, Citrus, Columbia, Desoto, Dixie, Franklin, Gadsden, Gulf, Hamilton, Hardee, Holmes, Jackson, Jefferson, Layayette, Leon, Liberty, Madison, Manatee, Okaloosa, Okeechobee, Putnam, Sarasota, Suwanee, Wakulla, Walton, Washington |
| Ohio | Exiting the entire state |
| Kentucky | Exiting the entire state |
| North Carolina | Exiting the entire state |
| Michigan | Exiting the entire state |
| Wisconsin | Exiting the entire state |
| Wisconsin | Exiting the Following Counties: Calumet, Dodge, Fond du Lac, Kenosha, Milwaukee, Outagamie, Racine, Sheboygan, Waupaca, Waushara, Winnebago |
| Missouri | Exiting the Following Counties: Greene, Webster |
| Illinois | Exiting the entire state |
| Kentucky | Exiting the Following Counties: Anderson, Boyd, Boyle, Bullitt, Carroll, Franklin, Gallatin, Garrard, Grayson, Greenup, Henderson, Henry, Jefferson, Larue, Lincoln, Meade, Mercer, Nelson, Oldham, Owen, Rockcastle, Shelby, Spencer, Trimble, Washington |
| Michigan | Exiting the Following Counties: Barry, Genesee, Kent, Lake, Livingston, Macomb, Mason, Mecosta, Montcalm, Muskegon, Newaygo, Oakland, Oceana, Osceola, Ottawa, Washtenaw, Wayne |
| Nevada | Exiting the Following Counties: Douglas, Lyon, Storey, Carson City |
| South Carolina | Exiting the Following Counties: Anderson, Georgetown, Greenville, Horry, Laurens, Orangeburg, Pickens, Spartanburg |
| Texas | Exiting the Following Counties: Bexar, Cameron, Dimmit, Duval, El Paso, Fort Bend, Harris, Hidalgo, Jefferson, Jim Hogg, La Salle, Montgomery, Starr, Webb, Willacy, Zapata |
| Utah | Exiting the Following Counties: Box Elder, Cache, Davis, Morgan, Rich, Salt Lake, Summit, Tooele, Utah, Wasatch, Weber |
| Wisconsin | Exiting the entire state |
| Illinois | Exiting the entire state |
| Minnesota | Exiting Olmsted County |
| Wisconsin | Exiting the Following Counties: Adams, Brown, Calumet, Florence, Grant, Green Lake, Iowa, Jefferson, Juneau, Kenosha, Kewaunee, Lafayette, Manitowoc, Marinette, Marquette, Milwaukee, Oconto, Outagamie, Ozaukee, Racine, Richland, Rock, Sauk, Shawano, Sheboygan, Walworth, Washington, Waukesha, Waushara, Winnebago |
| Indiana | Exiting the Following Counties: Marion, Hamilton, Hendricks, Howard |
| Kansas | Exiting the Following Counties: Barton, Cheyenne, Decatur, Ellis, Gove, Graham, Greelye, Lane, Logan, Ness, Norton, Osborne, Phillips, Rawlins, Rooks, Rush, Russell, Scott, Sheridan, Sherman, Smith, Thomas, Trego, Wallace, Wichita, Barber, Comanche, Hodgeman, Kiowa, Pawnee, Pratt, Stafford, Butler, Chase, Chautauqua, Cowley, Elk, Greenwood, Harper, Harvey, Kingman, Marion, McPherson, Montgomery, Reno, Rice, Sedgwick, Sumner, Wilson, Allen, Bourbon, Cherokee, Crawford, Labette, Neosho, Woodson |
| Michigan |
Exiting the entire state |
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