The 2022-2023 Open Enrollment Season saw more than 16.3 million people sign up for healthcare coverage, a new record that signaled the continuing need for access to quality healthcare and the Affordable Care Act’s (ACA) continued success in providing that access. The enrollment period ran from November 1, 2022 to January 15, 2023, and was the fifth consecutive period in which more than 10 million people signed up for coverage. This year’s record-breaking number also signals the success of the Biden administration’s efforts to promote healthcare access and increase the number of ACA enrollments.

Thank you Agility Agents for making this Open Enrollment Period a success!

Read the linked article to find out more about the 2022-2023 open enrollment period!

Discover why thousands of health insurance agents have chosen to join the Agility family!

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As an agent, you’ll run into situations where you may need to verify the income and immigration status of your clients. You will need to do so in order to properly enroll these individuals or families in ACA health insurance coverage. Consider this a checklist to go through when starting the enrollment process with new clients to verify they have the correct identification and documentation.

What documents can be used to verify immigration status?

Clients need to have at least one of the following types of documentation to verify their immigration status. In best-case scenarios, these clients will have an alien number as well:

  • Permanent Resident Card, “Green Card” (I-551)
  • Reentry Permit (I-327)
  • Refugee Travel Document (I-571)
  • Employment Authorization Document (I-766)
  • Machine Readable Immigrant Visa (with temporary I-551 language)
  • Temporary I-551 Stamp (on passport or I-94/I-94A)
  • Arrival/Departure Record (I-94/I-94A)
  • Arrival/Departure Record in foreign passport (I-94)
  • Foreign Passport
  • Certificate of Eligibility for Nonimmigrant Student Status (I-20)
  • Certificate of Eligibility for Exchange Visitor Status (DS2019)
  • Notice of Action (I-797)
  • Document indicating membership in a federally recognized Indian tribe or American Indian born in Canada
  • Certification from U.S. Department of Health and Human Services (HHS) Office of Refugee Resettlement (ORR)
  • Office of Refugee Resettlement (ORR) eligibility letter (if under 18)
  • Alien number (also called alien registration number or USCIS number) or I-94 number
  • What documents can be used to verify income?
  • Clients will need documents that show their income and financial status if the information submitted on the Marketplace does not pass verification. So, you will need to receive at least one of the following income verification documents from your client:
  • 1040 federal or state tax return
  • Wages and tax statement (W-2 and/ or 1099, including 1099-MISC, 1099-G, 1099-R, SSA-1099, 1099-DIV, 1099-S, 1099-INT)
  • Pay stub
  • Self-employment ledger documentation (can be a Schedule C, the most recent quarterly or year-to-date profit and loss statement, or a self-employment ledger)
  • Social Security Administration Statements (Social Security Benefits Letter)
  • Unemployment Benefits Letter

Learn more about ACA contracting so you can be the best agent you can be this open enrollment period.

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On October 11, 2022, the Internal Revenue Services made a final ruling regarding health insurance for families regarding the “Family Glitch”. The IRS ruled that starting in 2023, affordability of insurance for family members by an employee-sponsored plan will be determined by the family’s premium, rather than the employee’s coverage cost. 

What is the “Family Glitch”.

The “Family Glitch” refers to a section of the Affordable Care Act (ACA) that would not allow families to utilize premium tax credits and cost sharing subsidies to help lower their insurance premiums.  Currently, spouses and/or children that are on an employer sponsored health plan do not qualify for subsidies on the health insurance marketplace if that coverage is deemed affordable for the employee, regardless of the cost of coverage for the spouse and/or dependents.  Many of these families would have qualified for premium tax credits and cost sharing reductions based on the family’s household income.

Within the original context of the ACA, if a family’s employer-sponsored health insurance coverage was deemed affordable for the employee, then the entire family would not be eligible for marketplace subsidies.  In 2023, “affordable” coverage will be less than 9.12% of the family’s household income.

President Biden has worked to move that number back to the original threshold of 8.5% through the Build Back Better Act and the Inflation Reduction Act, but that legislation has stalled.  The new ruling by the IRS will provide many families relief, even if it does not hit the 8.5% mark.  The President released a statement regarding the fix to the “family glitch” and how this fix will expand access to coverage to millions of Americans.

How many will this Affect?

Recently, the KFF ran an analysis that estimates that about 5.1 million individuals were affected by the “Family Glitch” and many low to middle income families will now have access to more affordable health insurance.  The IRS estimates that somewhere between 600,000 and 2.3 million individuals that are impacted by this change will enroll in marketplace coverage.  These changes take place for ACA plans that go into place starting January 1st, 2023.

Stay up to date on all things Agility! 

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First Aetna, CVS Health® branded insurance plan offers value and ease

Health insurance will be significantly more affordable for millions of Americans in 2022, thanks to pandemic relief approved by Congress earlier this year. The ability to sign up for many low- and no-cost plans during the open enrollment window is time-limited.

To help more Americans get health coverage during the pandemic, the American Rescue Plan Act included enhanced premium tax credits for individuals who purchase their own health plans in the Affordable Care Act’s (ACA) health insurance marketplaces.

The ACA’s open enrollment period for 2022 began on Monday, November 1, and closes on Saturday, January 15, 2022. However, those who want coverage for the new calendar year will need to enroll by December 15, 2021.

One option will come from Aetna, a CVS Health company, which is re-entering the ACA individual insurance market in 2022 with the company’s first Aetna CVS Health branded insurance product. The plans will be available in select counties in eight states. The company aims to increase health care accessibility and affordability and improve health equity in local communities.

Florida, which has the nation’s highest ACA enrollment, is one of the eight states where the new plan will be offered in 2022. CVS Health has already started to evaluate expansion within these geographies.

Cost is also a significant driver of health care decisions for consumers in the individual marketplaces, the new plans feature tiered-benefit designs to accommodate different income levels and innovative features.

Are you enrolled with Aetna CVS Health? If not, get enrolled through Agility Insurance Services today!

Agility Producer Support
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Cigna 2022 Open Enrollment Bonus 

Cigna Broker Bonus Schedule for 2022 Open Enrollment 

Market Bonus Programs 

  • Georgia, Mississippi, Pennsylvania

    • Tier 1: 25-49 – $35 

    • Tier 2: 50-99 – $50

    • Tier 3: 100-399 – $75 

    • Tier 4: 400+ – $100

  • Colorado, Florida, Illinois, North Carolina, Tennessee, Virginia

    • Tier 1: 50-99 – $30

    • Tier 2: 100-249 – $40 

    • Tier 3: 250-499 – $70

    • Tier 4: 500+ – $100

  • Arizona, Missouri, Utah 

    • Tier 1: 50-99 members – $25 per member 

    • Tier 2: 100-199 members – $35 per member 

    • 200+ members – $45 per member 

Retention Bonus Programs 

  • Tennessee, Virginia

    • Tier 1: 25-49 members – $10 per member 

    • Tier 2: 50-149 members – $20 per member

    • Tier 3: 150-299 members – $35 per member

    • Tier 4: 300+ members – $50 per member

  • Florida 

    • Tier 1: 25-49 members – $10 per member 

    • Tier 2: 50-199 members – $20 per member

    • Tier 3: 200-399 members – $35 per member

    • Tier 4: 400+ members – $50 per member

Visit our link for more information on the Cigna bonus program

Get contracted for Cigna through Agility Insurance Services

Agility Producer Support
(866) 590-9771