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
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):
- Failed Billing & Premium Payment Notifications: Take Command is working directly with Ambetter to understand the root cause and resolve the issue. In the meantime, we have received confirmation that 2025 policies affected by this issue will not be adversely-affected or terminated.
- 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).
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
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):
- Failed Billing & Premium Payment Notifications: Take Command is working directly with Anthem to understand the root cause and resolve the issue. In the meantime, we have received confirmation that 2025 policies affected by this issue will not be adversely-affected or terminated.
- 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).
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
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).
University of Michigan Health Plan
The University of Michigan Health Plan has reported issues with ID cards for some members. These include:
- Members not receiving the correct number of ID cards for their families.
- ID cards that were issued do not properly list dependents.
What should I expect?
- New ID cards will be issued and mailed to impacted members.
- If you need to access care in the interim, please contact the University of Michigan Health Plan for assistance.
Do I need to take action?
- No action is required from you at this time.
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.
- United Healthcare
- Aetna
- Cigna
- BCBS Minnesota
- UPMC
- Oscar
- Highmark
- Medica
- Other insurance carriers not specified
New & High Impact Carrier Updates
New or significant information that may require attention and action.
Informational Carrier Updates
The latest news about active issues we're working with carrier partners and recent resolutions.
AvMed Challenge:
- AvMed will not allow Take Command to set up recurring AutoPay payments for select individuals.
- Take Command has contacted the impacted individuals. They need to log in to their AvMed portal and setup autopay/recurring payments using their Take Command AutoPay account information available in their Take Command portals (Benefits tab ➡️ Additional Premiums ➡️ Payment Info ➡️ click the arrow to expand the screen.)
Challenge:
- BCBS of Michigan will not allow Take Command to set up recurring AutoPay payments for select individuals.
Action Required:
- Take Command has contacted the impacted individuals. They need to log in to their BCBS of Michigan portal and setup autopay/recurring payments using their Take Command AutoPay account information available in their Take Command portals (Benefits tab ➡️ Additional Premiums ➡️ Payment Info ➡️ click the arrow to expand the screen.)
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.
May news update:
Anthem had a recent system issue, which resulted in the carrier undercharging members for certain generic medications. The issue has been resolved, and the carrier will send communications to impacted individuals. There are no actions that members need to take, and members will not be responsible for past differences. Anthem stated that beginning on August 1, 2026, prescription costs will align with plan benefits. Members can review their benefit materials and log into their Anthem member portals for details on medication tiers and costs.
BSW Health Plan recently announced that it plans to stop offering Individual Marketplace plans (and Medicaid) for the 2027 plan year. While regulators have not yet approved this decision, it should be emphasized that this does not affect 2026 plans and would only impact the 2027 plan year. As with every Open Enrollment, individuals with BSW plans will be able to select a new carrier and plan for 2027.
For Indiana, Ohio, and West Virginia, CareSource is moving to a self-enroll experience effective immediately.
CareSource has announced that they will be exiting the Indiana, Ohio, and West Virginia markets for the 2027 plan year. If an employee is currently enrolled in a CareSource plan in these three states, coverage and benefits will remain active through December 31, 2026.
Take Command will continue to support employees and service their account through the end of the 2026 plan year. They will have the opportunity to select a new plan during the open enrollment period for 2027.
Cigna recently announced that it plans to exit the Individual market at the end of 2026. This news does not affect 2026 plans. No action is needed from existing Cigna members. They can use their insurance as usual.
As with every Open Enrollment, individuals with Cigna plans will be able to select a new carrier and plan for 2027.
Cigna will be classified as a Self-Enroll Carrier for new enrollments through the rest of 2026.
Presbyterial Health implemented system updates that only accept credit cards for one-time payments. As a result, Take Command cannot make initial binder payments or set up recurring payments for individuals using Take Command’s AutoPay account for premium payments. Please read below for action individuals should take, as applicable to their specific plan:
- Presbyterian Health: Members need to call the carrier to set up their AutoPay payment for initial and recurring payments. This should be done as soon as applications are submitted to prevent non-payment issues.
- BeWell Plans: Members can set up AutoPay ACH payment through their member portal.
Carrier Market Entries
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 |
Carrier Market Exits
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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