Commercial Updates - October 2025

All Lines of Business

2026 Individual and Group Plans Commission Schedule and Bonuses.

We are pleased to announce updates to our commission schedules and bonus plans for 2026. Please refer to the following links for more information.

• Colorado
• Idaho
• Nevada
• Utah

2026 Marketing Materials

The updated 2026 marketing materials and plan documents for Individual, Small Employer (including Level Funding), and Associations product lines are now available in Select Health Link. These resources are ready to view, download, and order.

Materials are tailored to the Utah, Idaho, Nevada, and Colorado markets, where applicable, ensuring relevance for your region.

Individual

Fall Agent Seminar Updates

2026 Open Enrollment Timelines — Individual Plans

November 1, 2025 – Open Enrollment Begins. Renewal letters should be received by November 1, 2025.

December 15, 2025 – Deadline to enroll for a January 1, 2026 effective date.

January 15, 2026 – Deadline to enroll or make changes for a February 1, 2026 effective date for individuals in UT, NV, and CO.

For individuals in Idaho, open enrollment for a January 1, 2026 effective date runs from October 15 - December 15, 2025.

Utah Individual Product Updates

• What’s new:
  • New Drugs added for Chronic Condition Medications with $0 Copay:
    • Saxagliptin/Metformin
    • Miglistol
    • Repaglinide
    • Alogliptin/Metformin
    • Fiasp
  • Now Covered on all Benchmark Plans:
    • CPAP / BiPAP
    • Crutches, Canes, & Walkers
    • Knee Orthosis
    • Circumcisions
  • Bronze Plans are HSA eligible in 2026
  • Grandmother plans are renewing, average increase is 5%, no benefit changes
  • Rate Changes due to birthday won’t happen until renewal, just like other products
  • Kids plans discontinued December 31, 2025
• No Plan Terminations
• Our Short term, Limited Duration plans in Utah have been extended to offer longer coverage times, providing another great option for your clients. Commissions on these plans have been increased to 20% of premium. Questions? Please contact your account manager.
• Plan Updates:
  • Four plans have no benefit changes for 2026
  • Multiple changes to other plans effective 2026, see plan spread for details.

Idaho Individual Product Updates

• What’s new:
  • All Bronze and Expanded Bronze plans are HSA eligible in 2026
  • Added a Bronze and an Expanded Bronze Plan
• Plan Updates:
  • Bronze $8,000 adjusted to Bronze $10,150
  • Expanded Bronze $9,200 adjusted to Expanded Bronze $9,950
  • Expanded Bronze $6,000 adjusted to Expanded Bronze $7,000
  • Expanded Bronze $4,500 adjusted to Expanded Bronze $5,000
  • Silver $4,500 adjusted to Silver $5,000
• Beginning in 2026 in Idaho, Transition Plans will be referred to as Short-term Limited Duration Plans. These plans have been extended to offer longer coverage times, providing another great option for your clients. Commissions on these plans have been increased to 20% of premium. Questions? Please reach out to your account manager.

Nevada Individual Product Updates

• What’s new:
  • CareNow clinics are contracted on the Med Network effective September 1, 2025. Totaling 2,000+ Specialists and 700+ Primary Care Physicians.
• Plan Updates:
  • Gold $1,000 adjusted to Gold $1,500
  • Bronze $9,200 adjusted to Bronze $9,900
  • Bronze $6,900 adjusted to Bronze $7,500
  • Bronze $8,300 HSA adjusted to Bronze $7,500 HSA
  • Silver $6,500 adjusted to Silver $7,500
• Bronze plans are HSA eligible in 2026
• Plan Terminations:
  • Silver Copay Plan sunsetting in 2026, crosswalk to Silver $5,000
  • Bronze $8,300 HSA sunsetting in 2026, crosswalk to Bronze $7,500
  • Silver Copay sunsetting in 2026, crosswalk to Silver $5,000

Colorado Individual Product Updates

• What’s new:
  • All Bronze and Expanded Bronze plans are HSA eligible
  • Expanded Bronze $8500
• Plan Updates:
  • Silver $3200 adjusted to Silver $3400
  • Silver $3750 HSAQ Off Exchange adjusted to Silver $3750 - X
  • Silver $4500 Rx Copay adjusted to Silver $5100 Rx Copay
  • Gold $1750 HSAQ adjusted to Gold $2500 HSAQ
  • We removed the Silver $2000 Med Ded and reinstated the Silver $1500 per the DOI’s instructions.

Help Your Clients Build Health Savings with Select Health

Exciting news for agents! Select Health now offers individual clients—including those on Bronze exchange plans—the ability to open a Health Savings Account (HSA) with their qualified high-deductible health plan.¹

Why HSAs?

• Use pre-tax dollars for medical expenses like doctor visits and prescriptions.
• Funds roll over yearly—no “use it or lose it.”
• No setup or monthly fees for individual or Bronze plan members.²
• Powered by HealthEquity:
  • 24/7 account support
  • Secure digital tools: virtual wallet, passkey tech, fraud protection

Help your clients save smarter—get started today.

For broker and agent use only. This material is provided for informational and educational purposes to assist licensed professionals in understanding HSA features and eligibility requirements. It is not intended as tax, legal, or investment advice. Brokers and agents are responsible for ensuring that any materials shared with clients comply with applicable marketing, disclosure, and licensing requirements. Individuals should consult a qualified tax advisor regarding their personal circumstances.

¹ HSAs are available to individuals enrolled in a qualified high-deductible health plan (HDHP) and who have no other disqualifying coverage. Contributions and distributions are subject to IRS limits and rules.

² While there are no setup or monthly administrative fees for eligible individual or Bronze plan accounts, other fees may apply. Fees and terms are subject to change as provided in the Custodial Agreement.

Small Employer

Fall Agent Seminar Updates

Utah 2026 Small Employer Product Updates

• What’s New:
  • New Silver Plan $5,000 Traditional Plan
  • Expanded Bronze $7,500 Traditional Plan
• Plan Updates:
  • Silver $2,600 adjusted to Silver $2,750
  • Silver $3,300 HSA adjusted to Silver $3,500 HSA
  • Bronze Max HSA $8,250 adjusted to Bronze Max HSA $8,500
  • Other changes made to plans, please see plan spread for additional details.
• No Small Employer plans are being eliminated.
• No plan changes for 2026 to the Platinum, Gold $250, and Gold $1,750 HSA
• Virtual Care is covered AFTER DEDUCTIBLE on HDHP
• No Deductible Required on certain medications:
  • Antidepressants
  • Asthma & COPD
  • Cardiovascular
  • Cholesterol
  • Diabetes: Insulin, Non-Insulin, Testing Supplies, Devices
• Grandmother plans will renew for 2026; average increase is 8% with rates ranging from 0% - 19% based on group experience.
  • No benefit changes
  • Rate changes due to birthday won’t happen until renewal

Idaho Small Employer Product Updates

• Plan Updates:
  • Expanded Bronze $9,200 adjusted to Expanded Bronze $10,150
  • Silver $5,500 HSA adjusted to Silver $6,000 HSA
  • Silver $3,000 HSA adjusted to Silver $3,400 HSA
• Grandmothered plans are being eliminated in Idaho. Current grandmothered groups will have the option to move to an SE ACA plan. Some may be good candidates for our new SE Level Funded plan.
• Both silver HDHPs have embedded deductibles
  • Silver $5,500: MOOP $8,500 / $17,000 adjusted to $9,500 / $19,000
  • Silver $4,500: MOOP $8,500 / $17,000 adjusted to $9,500 / $19,000
  • Gold Copay: MOOP: $6,500 / $13,000 adjusted to $7,500 / $15,000

Nevada 2026 Small Employer Product Updates

• Plan Updates:
  • Medical Deductible increase on 2 of the 11 total plans
  • Rx Deductible increase on 2 of the plans
  • Modest increase to the MOOP on 7 of the plans
  • Minor diagnostic benefit reconfiguration
• Silver $5500 HSA adjusted to Silver $5900 HSA
• Bronze $9200 adjusted to Bronze $9900
• No Medical Plan terminations for 2026

Colorado Level Funded Product Updates

• New to Colorado for 2026
  • Contribution by tier
  • SPEC stop loss 25k or 50k – depending on group size
  • Can have plan year or calendar year
  • Recent Experience report
  • Large Claimant Report
• Value Network
  • Value EPO or PPO
  • PPO includes United Options outside of CO, UT, ID, NV
  • 10 plan options
  • Eyewear Available
  • Rx Elect formulary
  • Commission Selected at quoting ($30 - $50 in $5 increments, default $40)
• Eligibility
  • 15-99 enrolled
  • No Cannabis groups
  • Final enrollment submitted no later than the 20^th of the month

Level Funded (UT, ID, CO)

Quoting is now open for Utah, Idaho, and Colorado to begin quoting Level Funded plans for groups, a minimum of 15 employees must be ENROLLED to be eligible for the Level Funded plans.

All Level Funded quotes must be submitted no later than the 20^th of the month prior to the effective date. Final enrollment must be submitted prior to the requested effective date.

For questions or to attend a level funding training, please contact your account manager.

Changes to EAP Benefits

Effective January 1, 2026, built-in Intermountain Employee Assistance Program (IEAP) benefits will no longer be included in our Small Employer, Association, or Level Funded plans. However, there are still several ways to access support:

Alternative EAP and Mental/Behavioral Health Resources:

• Purchase EAP Directly: Groups can buy an EAP package from Intermountain EAP.
  Contact: Gwendolyn Dattage at 801-442-2329 or gwendolyn.dattage@imail.org
• Connect Care App and Website: Behavioral health services are available through Connect Care.
• Health Insurance Coverage: Behavioral health benefits are included in all health insurance plans and are typically covered like any other medical condition.
• Behavioral Health Advocates: Advocates are available to help members find care tailored to their specific needs.
• CredibleMind App: Offers a wide range of mental wellness resources.
• NovumHealth: A new resource helping members find and access care. Currently available to Utah members only.

Flu and COVID-19 Vaccination Coverage

Flu shots are covered as a preventive service and are paid at 100% when administered by a participating provider on Select Health Small Employer ACA, Level Funded, and Association plans.

COVID-19 vaccinations and booster shots are also covered at 100% under the member immunization benefits listed on the Member Plan Summary (MPS), when given by a participating provider.

No prior authorization is required for either flu or COVID-19 vaccinations.

If an employer plans to bring in a provider to administer flu or COVID-19 shots and would like the services billed to the insurance plan, it's recommended to get the provider’s name in advance. Select Health can confirm whether the provider is contracted with the group’s network.

Mitigate Risks and Maximize Value During Open Enrollment with Mitratech's Mineral

This open enrollment, trade compliance headaches for peace of mind, let the Mineral team assist with regulation questions while you focus on benefits, building your client base, and retention.

Here are just a few ways Mineral brings value to employers:

• Mineral provides a comprehensive set of resources, including a best practice open enrollment checklist, a sample open enrollment letter, and a COBRA open enrollment email template for COBRA participants.
• For complex questions related to ERISA, HIPAA, COBRA, 1094/1095 ACA IRS Filings, or PCORI Fees, Mineral’s Certified HR Expert Team is available to assist with questions.
• Open Enrollment is a time for updating company policies. Mineral can be a great resource for the following: A compliant Handbook, clarity on state and federal regulations, along with support around best practices tied to communication to employees on open enrollment, benefit changes and more.

Share this short video with your Select Health Clients on how to log into their company’s personalized Mineral Platform.

Interested in learning more? Sign up to receive direct communications from Mineral regarding upcoming webinars for Select Health clients and a monthly newsletter, which will keep you informed on the information Mineral sends to Select Health clients. Click here to sign up today: https://try.trustmineral.com/stay_connected_mitratech_mineral/

Large Employer

Right Care, Right Cost: Help Clients Make Informed Choices

Empower your clients to make informed care choices that save time and money. From free nurse advice lines to virtual care, they’ve got options—so they can skip the ER unless it’s truly an emergency.

Visit selecthealth.org/find-care—your go-to guide for covered care options.

$0 Out-of-Pocket

24/7 Symptom Checker

Try our FREE AI symptom assessment.

24/7 Nurse Line

Talk to a registered nurse for FREE about any condition to get advice on how and where to get care.

Behavioral Health Navigation Line

Access FREE resources and guidance for mental and behavioral health.

Preventive Care

Detect and prevent medical problems before they become serious. Most plans cover preventive care services at no out-of-pocket cost (some limitations may apply).