Important Reminders Regarding the New FormFire ACA Quoting Spreadsheets

We hope that you have found the new and improved FormFire quoting spreadsheets useful in presenting the ACA rates to your clients. There are a few important items to keep in mind when presenting the rate information to your group.

The spreadsheet produces both, “Composite” and “Age Banded Rates” (on the second tab), however based on the specific carrier and group size the composite rates may not be available for a final sale. To ensure you are discussing the correct rates with your client please see the chart below:

	ACA	Level Funded	MEWA
Aetna	N/A	Always Composite	N/A
MMO	Age Banded Only	N/A	Age Banded under 10 enrolled
Anthem OH	2-50 Group can choose age banded or composite rates	N/A	Always Composite
Anthem KY	2-50 Group can choose age banded or composite rates	N/A	Always Composite
Anthem IN	2-50 Group can choose age banded or composite rates	N/A	Always Composite
UHC	Age Banded under 15 enrolled	Always Composite	Always Composite
Humana	2-50 Group can choose age banded or composite rates	Always Composite	Always Composite (NKY Chamber)

In addition, MMO requires that you add Pediatric Dental to all ACA groups when the group does not have a standalone dental policy in place or when the specific subscriber has not enrolled his/her dependent children in the group dental coverage. In these instances, you must add an additional amount per applicable enrolled subscriber which covers all dependent children in the family. The 2020 Pediatric Dental rates for the state of Ohio are $23.66 per applicable subscriber. This fee must be added to the ACA age banded premium that you find on Tab 2 of the quote spreadsheet.

In cases where composite rates are not available to sold groups, based upon the carrier, we feel composite rates can still be quite helpful in determining an equitable and compliant Employer Contribution.

If you have any further questions, please contact your Broker Advisor.