Commercial Updates - October 2026

2027 Individual and Group Plans Commission Schedule and Bonuses

We are pleased to announce updates to our commission schedules and bonus plans for 2027. Please refer to the following links for more information.

• Colorado
• Idaho
• Nevada
• Utah

2027 Product Updates by State

What's changing for Individual and Small Employer plans in 2027

As we prepare for the 2027 plan year, here are key Individual and Small Employer updates by state. This summary focuses on what is unique in each market so you can quickly identify the changes most relevant to your clients.

Utah

Individual plans

• Mental and behavioral health virtual visits will follow the mental health office visit copay.
• Physical, occupational, and speech therapy services will follow primary care provider cost sharing due to a Utah legislative update.
• A six-tier pharmacy formulary will be introduced, with Tier 1 preventive medications covered at $0.
• A 90-day pharmacy mail-order supply will be covered twice the 30-day supply copay.
• All Individual Bronze plans will be HSA qualified, along with the Silver 4000 off-exchange plan.
• Average premium changes are approximately 6% based on metal tier.
• New Individual Bonus for 2027. See commission flyer for more details.

Small Employer, Association, and Level funded

Small Employer plans will feature several benefit updates for 2027. These changes are designed to provide greater clarity and consistency in member cost-sharing across covered services. Changes include:

• Revised cost-sharing for rehabilitation therapy services (physical, occupational, and speech therapy).
• Updates to mental health and behavioral health benefits.
• Average Small Employer premium changes average 9% based on metal tier.
• Association plans will transition to the Preference product. Employees enrolled in Association and Level Funded plans will have access to both the Value and Med networks, with UnitedHealthcare Options PPO available for out-of-area coverage.
• UnitedHealthcare Options PPO is available for covered services outside the Select Health service area (Utah, Idaho, Nevada, and Colorado). 
• Level Funded plans will add a new $1,500 Traditional Plan.
• Small Employer coverage may be available to groups with as few as two full-time employees. Contact your account manager for details.

Simplified Dental Networks

Select Health Dental is simplifying its network structure with two easy-to-understand options:

Select Health Dental Classic Network

The Classic Network is the broad statewide network used by approximately 94% of dentists in Utah, offering members extensive provider access across the state.

Select Health Dental Prime Network

The Prime Network is a value-focused network available in Davis, Salt Lake, Utah, and Weber counties, providing members with a cost-effective option while maintaining access to quality care.

Flex Tier

Flex Tier combines access to both Select Health Dental Prime and Select Health Dental Classic Networks. Coinsurance amounts depend on the provider chosen. Available in Davis, Salt Lake, Utah, and Weber counties. 

New and enhanced plan options for 2027

Select Health Dental is expanding its plan portfolio to meet a variety of member needs:

Copay plan

A predictable plan featuring flat copays and an unlimited annual maximum benefit. 

Preventive plan

Focused on preventive care, this option includes:

• No preventive waiting period
• No preventive coinsurance
• Basic service coverage benefits

Max plans

Designed for members seeking greater coverage, including:

• $3,000 annual maximum at level 3
• <19 $1,500 lifetime child orthodontia per member benefit
• Roll Over level benefits

Traditional plans

An enhanced version of Select Health’s traditional offering with:

• Rollover benefits
• Flex Tier access
• Shorter waiting periods
• Higher annual maximums

New optional dental riders (Availability will vary on Individual and Family plans)

Teeth whitening rider

Individual and Families and Groups can now add a teeth whitening benefit that includes:

• Coverage for adults age 19 and older
• $150 per calendar year
• No waiting period
• In-network coverage only

Clear aligner rider

Groups can add a new clear aligner rider that provides additional orthodontic flexibility with:

• In-network coverage only
• A separate maximum benefit that does not impact annual dental maximums
• Access to any participating dentist or orthodontist, regardless of aligner brand
• No waiting period for contributory groups
• A 12-month waiting period for voluntary groups

New Roll Over plan options

Roll Over plans reward you for taking care of your smile. They offer 3 benefit levels, with higher annual maximums and lower coinsurance amounts for basic and major dental services. To move up to the next level each year, complete 2 preventive visits and keep your dental expenses below your current level’s annual maximum. If you don’t qualify that year, you’ll return to the benefit level you had the year before. 

Additional savings and incentives

Individuals and Families or Employers who bundle a Select Health Dental plan with a Select Health Medical plan can receive a 10% discount on dental premiums, creating additional value for clients looking for comprehensive coverage solutions.

Agents can also take advantage of a $15 per-member bonus on eligible individual and small employer dental sales during 2027. This one-time bonus is available for sales effective between January 1, 2027 and December 31, 2027, and pays a 10% commission. 

Idaho

Individual plans

• The SAHA network expanded into Owyhee County.
• The network name will change from SLHP to SLHN, and Treasure Valley Hospital will be added.
• Fremont, Madison, Jefferson, Teton, Bonneville, and Bingham counties will shift to the Med network. BrightPath (BP) will no longer be available in these counties.
• Nonrenewable Short-Term Limited Duration plans remain available for temporary coverage needs, with plan terms from 30 days up to 12 months.

Small Employer, Association, and Level funded

• Small Employer network expansion includes Owyhee County for the SAHA Network, the SLHP-to-SLHN name change, and continued access to the Med network in Utah.  
• UnitedHealthcare Options PPO is available for covered services outside the Select Health service area (Utah, Idaho, Nevada, and Colorado).
• An overall average Small Employer rate increase of 12%.  
• BrightPath (BP) will no longer be available in Fremont, Madison, Jefferson, Teton, Bonneville, and Bingham counties.
• A new $4,500 HDHP/HSA-qualified Level Funded plan will be added based on agent feedback.  
• Western Idaho Level Funded groups use the Med network, which includes every major facility except St. Luke’s Health System.
• The Med Mountain View (MV) product option is available in Bingham, Bonneville, Teton, Madison, Jefferson, and Fremont counties.

Nevada

Individual plans

• Individual plans are available on the Select Health Med and Select Health Value networks in Clark and Nye counties.
• Provider access continues to grow through Intermountain Health facilities, including the District Clinic in Henderson and the Badura Clinic in southwest Las Vegas.
• Beginning in 2027, an expanded contract is expected to add 91 primary care physicians and specialists.

Small Employer

• Nevada Small Employer plans include Bronze, Silver, Gold, and Platinum options on the Med and Value networks.  
• An overall average Small Employer rate increase of 12%. 
• Small Employer dental offers three PPO plan options through the Delta Dental network. All plans include orthodontia for children up to age 19.  
• Select Health Eyewear is offered through the EyeMed network with nationwide provider access.  
• Mitratech Mineral HR and Compliance are included at no additional cost with Small Employer.  
• UnitedHealthcare Options PPO is available for covered services outside the Select Health service area (Utah, Idaho, Nevada, and Colorado) for members selecting the Med network. 
• New Small Employer bonus for 2027. See commission flyer for more details.

Colorado

Individual plans

• Quest Diagnostics is expected to be contracted for all products by January 1, 2027.  
• Several pediatric practices have been added, including Pinery Pediatrics, Highlands Integrative Pediatrics, Village Pediatrics, Doctor’s Care, Parker Pediatrics, and Pediatric Journeys.  
• Colorado service areas will remain unchanged for 2027.  
• The Intermountain Health and AdventHealth joint venture does not change current Select Health plans, provider contracts, or member access.

Level funded

• Colorado Level Funded business will add a $5,500 HDHP/HSA-qualified EMB plan, a $1,500 Traditional Plan, and a $3,000 Traditional Plan.  
• Level Funded groups must have at least 15 enrolled employees, be headquartered in Colorado, and have at least 50% of the group in the service area.  
• Final enrollment must be submitted before the requested effective date, with submission preferred no later than the 20th of the month.  
• The Link Agent Portal supports quoting, enrollment, business management, and access to sales materials and forms.  
• Level Funded value-added services include wellness reimbursement, Mineral HR and Compliance, Intermountain Health Virtual Care, and UCHealth Virtual Urgent Care. 

Looking ahead

Across all four states, Select Health continues to invest in provider access, plan choice, member tools, and employer resources. Please review the final approved plan materials before quoting or enrolling 2027 business. 

Small Employer

Mineral

Make ERISA compliance easier for your clients

January 1 renewals are a good time to remind employer clients to review their required ERISA Wrap Plan Documents and Summary Plan Descriptions (SPDs). Keeping these documents current can help groups avoid Department of Labor audit penalties and unnecessary legal expenses.

An included resource that adds value

Through Select Health’s collaboration with Mineral, Fully Insured and Level Funded employer groups have access to the Benefits Document Creator. This included tool helps clients meet compliance obligations without paying third-party legal fees.

• No additional cost: Create customized, legally compliant Wrap SPDs as part of the group’s plan.
• Faster documentation: A guided process helps clients complete documents in minutes instead of waiting weeks for outside drafts.
• Ongoing support: Mineral monitors its templates against changing federal ERISA and ACA guidelines.
• More value at renewal: Sharing this resource gives you another practical way to support clients during renewal season.

Share it with your clients. Watch this two-minute overview video to see how the tool works. Consider including the video in upcoming client communications or mentioning the Benefits Document Creator during renewal conversations.

Preparing for Open Enrollment: submit complete group applications to avoid delays

As we prepare for another busy Open Enrollment season, we want to help make the group submission process as smooth as possible. One of the most common causes of processing delays is incomplete group paperwork. Taking a few extra minutes to ensure all required documentation is included when you submit a group can help avoid the need for additional follow-up and keep your requested effective dates on track.

Important reminder about processing times

Open Enrollment is our busiest time of year, and every group submission is reviewed and processed manually. During this period, we ask for your patience as our teams work diligently to review each application as quickly and accurately as possible.

To help us process your groups efficiently, please submit complete applications as early as possible and allow additional time for review. Missing documentation often results in follow-up requests and can extend processing timelines.

New small group submission checklist

Before submitting a new small group, please verify the following items have been completed:

Group documentation

Submit documentation for every eligible employee and owner, whether they are enrolling or waiving coverage. Required documentation includes:

• Employer State Unemployment Tax Form or Wage and Tax Form. 
• If the employer has been in business for three months or less, provide the most recent two weeks of detailed payroll records for all eligible employees.
• If owners or partners are not listed on the State Unemployment Tax Form, provide one of the following:
  • Articles of Incorporation or Organization (preferred)
  • Stock Certificate
  • Operating Agreement

Please note that additional documentation may be requested in certain situations.

Employee forms

For employees enrolling in coverage:

• Documentation is still required for employees who are eligible for coverage but choose not to enroll.
• A completed employee application and Supplemental Form must be uploaded through Select Health Link for each eligible employee.
• As an alternative, agents may submit an enrollment spreadsheet in Link containing all required enrollment information for eligible employees.
• For Nevada groups, the supplemental information is included within the employee application and does not require a separate form.

• Utah and Nevada groups must complete Page 3 of the Employee Application for each eligible employee waiving coverage.
• Idaho groups must complete Sections 1-3 of the Idaho Employee Application for each eligible employee waiving coverage.
• Waiver information helps verify eligibility requirements and ensures the group meets participation guidelines.

Payment and Sign & Pay requirements

Please ensure the following items are completed:

• Signed Group Medical Application (GMA)
• Group Dental Application, if applicable
• Group Eyewear Application, if applicable
• E-Check or Preauthorized Banking Form for future premium payments (preferred)
• Image of the check for the first month’s premium

The GMA can be completed through the Sign & Pay process in Link or submitted on paper.

Timeline reminders

All paperwork should be submitted in Link by the last day of the month prior to the requested effective date. Once a group enters review, any additional requested documentation must be submitted within 10 days following the effective date. If required items are not received by the deadlines, the effective date may need to be moved to the next available date.

If you have any questions, please contact your account manager.

Reminder: new business submission deadlines for ACA, Association, and Level Funded groups

As we prepare for the upcoming Open Enrollment season, we want to remind agents of the updated submission timelines for ACA, Association, and Level Funded for new group business. Following these deadlines will help ensure a smooth review process and allow coverage to become effective as requested.

Small Employer ACA group timeline

To ensure your client’s requested effective date can be met, please follow these important guidelines:

Initial submission requirements

All the required enrollment and employer paperwork must be submitted in Link no later than the last day of the month prior to the requested effective date. 

Additional documentation period

Once the application has been reviewed, groups will have up to 10 days after the effective date to provide any additional requested items needed for final approval.

Missed deadlines

If required information is not received within the allotted timeframe, the group’s coverage effective date will be moved to the next available effective date. 

Association and Level Funded group timeline

To ensure your client’s requested effective date can be met, please follow these important guidelines:

Submission requirements

For Association and Level Funded groups, all required enrollment and employer information must be completed and submitted through Link. All required contracts must be signed and payment must be made prior to the requested effective date. 

Applications that are not completed in Link, including signed contracts and required payment, prior to the effective date may not be eligible for the requested effective date. 

Why timely submission matters

Submitting complete and accurate paperwork by the deadline helps prevent delays in processing, ensures coverage begins as expected, and reduces the need for last-minute requests. We encourage agents to review all required documents before submission and work with their clients early to gather any missing information.

Need assistance?

If you have questions regarding submission requirements or timelines for ACA, Association, or Level Funded business, please contact your Select Health representative for assistance at 800-442-5306, option 2.

Planning ahead and submitting complete applications on time is the best way to keep your groups on track for a successful effective date. 

Small Employer & Individual

2027 Small Employer & Individual marketing materials now available

New 2027 marketing materials for our Small Employer, Level Funded, Associations, and Individual product lines are available and ready to view, download, and order. You can access them via Agent Resources.

Where applicable, materials are tailored for Utah, Idaho, Nevada, and Colorado so they speak directly to your market.

Large Employer

Help employers save on surgical costs

Ambulatory surgical centers (ASCs) provide high-quality, same-day outpatient procedures in a setting designed for convenience, efficiency, and affordability. ASCs offer a cost-effective alternative to traditional hospital outpatient departments for many common procedures while maintaining a strong focus on quality and patient experience.  

How ASCs can lower costs 

Many outpatient procedures can be performed in an ASC rather than in a hospital setting. Because ASCs are designed specifically for scheduled outpatient care, they often have lower facility costs, which can translate into lower out-of-pocket expenses for members.  

For employers, encouraging employees to compare care settings can support more informed healthcare decisions and help maximize the value of their health benefits. 

Additional benefits members appreciate 

ASCs are also designed to create a more seamless experience for patients, including:

• Shorter wait times and more efficient visits 
• Convenient same-day outpatient care (with locations across Colorado, Idaho, Nevada, and Utah)
• Smaller, easier-to-navigate facilities 
• A more predictable and comfortable care experience 
• Access to numerous locations across Select Health networks 

These features can help reduce the stress often associated with surgical procedures while making it easier for members to receive the care they need. 

A valuable enrollment conversation 

By educating groups about ASCs and encouraging members to explore their options before scheduling outpatient procedures, agents can help employers promote smarter healthcare decisions, improve the member experience, and potentially reduce healthcare spending. 

Select Health members can learn more about available care options and participating facilities through the provider search tool at selecthealth.org/find-care. 

Questions 

For more information, view our flyer or reach out to your Select Health representative.