Available individual health insurance plans depend on the employee's residential location. A work address or worksite ZIP code cannot be substituted for the employee's residential location.
Plans can also vary based on:
Coverage year
Employee age
Family members applying for coverage
Applicable Marketplace
Carrier participation in the employee's area
An outdated residential address may display plans the employee cannot purchase or prevent plans that would otherwise be available from appearing.
When comparing plans, employees should consider more than the monthly premium. Plans can differ in:
Premium
Provider network
Prescription drug coverage
Cost sharing
Two plans at the same metal level can have different networks, deductibles, formularies, and authorization requirements.
Questions about a specific policy, provider network, prescription formulary, or expected medical usage should be directed to a licensed broker supporting the account or another appropriately qualified resource.