Stream Benefits Newsletters

Ensuring Your Company's Insurance Needs

This year has been very interesting with many moving parts in the individual health insurance world.  Insurance carriers are continuing to evolve within the Affordable Care Act(ACA) product portfolio.  Listed below are just a few of the key points that the individual health insurance carriers are facing.  There is a very good chance that you fall into one of the following categories.

1) Anthem - Grandfathered Individual Health Insurance
You may have a grandfathered individual health insurance plan with Anthem.  These plans were put in place prior to the introduction of the ACA.  You will be able to stay with that same plan, if so desired, for another year.

2) United Healthcare/Golden Rule ACA
If you have a United Healthcare/Golden Rule ACA plan, you will be able to stay with the program for another year, if so desired.  But United Healthcare will not be offering new plans in 2017 and does expect to leave the individual health insurance world after 2017.

3) Aetna/Coventry
You may have a policy with Aetna/Coventry.  And you may have seen news that they are getting out of the ACA business.  But it is only for the ON EXCHANGE policies in 2017.  If you have a plan via the Exchange, then we will need to work to find you a new plan.  If you have a plan OFF EXCHANGE, then you will be receiving a renewal notice later this year for 2017 along with options.

The bottom line is this.  I am here to assist you through this maze.  If you have any questions along the way with your current or renewal health insurance program, please don’t hesitate to contact me.



United Healthcare has recently announced that they will not be participating in the individual market Affordable Care Act plans, effective January 1, 2017.  This will affect many individuals in the St. Louis area, but only with individual plans.  This announcement does not have an impact on the small group plans that United Healthcare offers.  Please don’t hesitate to contact me with any questions you may have on this subject.

Last year I announced that I was a candidate for mayor of the City of Kirkwood.  The election was held on April 5th.  Unfortunately, I did not win.  And though disappointed by the final results, I enjoyed the entire campaigning process.  I was very humbled by all of the volunteers that worked by my side during the past year.  I felt we ran a very positive campaign and had a very upbeat message.  Thank you to everyone that wished me well on this endeavor.  I will continue to stay involved with our community and work hard for you as your insurance broker.

Scott Stream