Anyone who is considering or is already covered by an Exchange or Individual Policy should review this information first.
The group insurance rates for plans offered by the Flex Plan are always guaranteed for the calendar year. If you still have an individual or exchange policy, you should compare the benefits and rates of your current plan to the plans offered through the Flex Plan to see which option is best for you.
If you are covered by Exchange or Individual Policy you cannot use employer contributions for the payment of those premiums. In addition, if you or your dependents are not covered by a group insurance contract, the employer monies cannot be used for reimbursement of out-of-pocket medical expenses (unless you have “Grandfathered” monies in your account). Your group insurance may be any group policy, it does not have to be a Flex Plan group policy. For more information please review our Frequently Asked Questions on this topic at