Additional Changes Effective Jan. 1, 2016

Although UnitedHealthcare’s individual On-Exchange plans remain available in all 34 states marketed for 2016, it has been determined we need to further adjust commissions paid on these products.

Effective January 1, 2016, no commissions will be paid for any new UnitedHealthcare Individual On-Exchange (and Off-Exchange mirror plans*) enrollments received on or after this date, in most states. Please see state exceptions below.** The new commission schedules will be available on our Broker Portal on January 1, 2016.

Please keep in mind:

• These changes do not affect UnitedHealthcare Medicare agreements or any other lines of UnitedHealthcare business. Only On-Exchange (and Off-Exchange mirror plans) individual health is affected.
• UnitedHealthcare will continue to pay according to the commission schedule in effect at the time a plan was sold for all new 2016 On-Exchange plans (and Off-Exchange mirror plans) received December 31, 2015 and prior.
• This change does not affect 2015 renewal commission rates which are unchanged from the 2015 schedules.
• These changes do not affect our members, their networks, plan benefits or the servicing of their plans.

As insurance companies across the nation make adjustments in response to the evolving Marketplace, it is our sincere hope that you will continue to remain active in the health insurance market. Your knowledge and professional services are valued by consumers and carriers alike.

Thank you for your business and also your patience as we implement these changes.

*Mirror plans are those plans that are identical to On-Exchange Plans (same license, benefits, etc.) and are required to be offered Off Exchange.

**On-Exchange Individual health plan enrollments through UnitedHealthcare Benefits Plan of California, and UnitedHealthcare of New York, Inc. have no commission changes. Health Plan of Nevada, Inc. will move to no commission’s payable for Exchange business starting with business received on February 1, 2016 and after.