Keep OEP as smooth as can be
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The fall enrollment season is hectic enough — so why not have the tools to make your job easier? Check our broker repository and benefits resource center regularly for the most up-to-date sales tools, benefit documents, forms and other enrollment-related materials.
Commercial Group
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Individual Marketplace open enrollment runs Nov. 1 through Jan. 15
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Community members can have peace of mind: Geisinger Health Plan offers coverage for individuals age 19 to 64 who are not insured through an employer or family member.
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Open Enrollment Period: Nov. 1 – Jan. 15
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Who’s eligible: Individuals age 19 – 64 without employer or family coverage
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Plan options:
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High-deductible plans for those with minimal medical needs
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Lower-deductible plans for chronic conditions, specialist visits and prescriptions
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Included benefits:
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Mental health and wellness programs
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Telemedicine for primary and specialty care
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In-house pharmacists and care teams
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Network access:
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More than 120 hospitals, including Hershey Medical Center, Johns Hopkins and CHOP
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Thousands of providers across the region
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Why GHP:
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Locally staffed, community-focused and integrated with Geisinger’s clinical side
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Concierge-style customer service
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Exclusive health programs and access to world-renowned doctors
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Unlock big rewards with GHP’s 2026 Broker Bonus Program
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We’re rolling out generous incentives for brokers who bring in new commercial group business in 2026. Whether you're placing ACA, GFA, fully-insured, ASO or stop-loss policies, you have multiple ways to earn:
New business broker bonus:
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$100 per subscriber for eligible contracts (ACA, GFA, fully-insured 51+, ASO with medical/Rx)
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Applies to groups with effective dates from Jan. 1 to Dec. 31, 2026
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Bonus paid in addition to standard commission
Stop-loss bonus:
Earn a one-time bonus based on annual premium.
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$250k–$375k → $10,000
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$375k–$500k → $15,000
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$500k+ → $20,000
Engagement bonuses:
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$2,500 for submitting a valid claims file for repricing
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$2,500 for securing a finalist meeting with large group decision-makers
Qualified lead bonus:
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$2,500 per qualified lead (up to 5 per brokerage)
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Group must be headquartered in select PA counties
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Limited to the first 50 accepted leads
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Broker commission structure announced for 2026
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We’ve released our 2026 commission structure for fully-insured and Geisinger Funding Alternative (GFA) groups. Key highlights include:
Fully-insured groups (1–99 enrolled)
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New business: $50 per employee per month (PEPM) for the first year
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Renewals:
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Year 2: $32 PEPM
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Year 3+: $30 PEPM
Geisinger Funding Alternative (GFA) groups (2–199 enrolled)
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$30 PEPM* for both new and renewing groups
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Minimum enrollment: 5 for new business, 2 for renewals
*Reach out to your account service representative to remove or request additional commission
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Employer group renewal letters now available on GHP employer portal
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Ready for an enhancement that makes accessing employer group renewal information even more seamless for your clients? Employer group renewal letters are now available directly on the GHP employer portal. This means employers can securely view their renewal documents online — no more waiting for USPS mail.
Here’s how it works:
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Renewal letters will continue to be posted to the broker portal first.
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Employers can access renewal letters in the employer portal 3 business days later.
This update improves transparency, shortens turnaround times and empowers employers with direct access to the information they need — when they need it. Thanks for your continued partnership as we improve the tools and resources available to you and your clients.
Have questions or need support navigating this feature? Your account executive can help.
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Reminder: Maximum out-of-pocket (MOOP)
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Upon renewal, GHP will automatically index the maximum out-of-pocket to the IRS maximum.
For plan years beginning in 2026, the IRS maximum MOOP is:
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$10,600 for individual coverage
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$21,200 for family coverage
This doesn’t apply to:
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KYP
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Small group ACA
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Non-GFA self-funded plans
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Groups with union contracts
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Gag clause reporting prohibition compliance attestation reminder
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Annual submissions are due Dec. 31. We’re committed to helping our customers fulfill these requirements. For fully-insured employer group and self-funded employer group coverage, Geisinger Health Plan will submit all required web forms, including the Excel template, as applicable, to the departments on behalf of the employer for the initial and all subsequent reporting periods.
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The Cigna Healthcare PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna Healthcare PPO for Shared Administration. Cigna Healthcare is an independent company and not affiliated with Geisinger Health Plan. Access to the Cigna Healthcare PPO Network is available through the contractual relationship between Geisinger Health Plan and Cigna Healthcare. All Cigna Healthcare products are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. The Cigna Healthcare name, logo, and other marks are owned by Cigna Intellectual Property, Inc.
**If you choose to share this information with others, be mindful. Please take care to avoid altering or modifying the original messaging in this bulletin, or any Geisinger communications, in any way.**
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