Welcome to the CPA Insurance Marketplace
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Register here for your Marketplace Access Code |
Calculate if you are eligible for a subsidy
The CPA Insurance Marketplace is an online marketplace where members and their employees, can compare and purchase products and services from insurance providers that compete for business within the exchange.
Unique decision support technology within the exchange is backed by licensed benefits counselors that specialize in working with association members. Member Benefits also takes additional steps to provide assistance for members and their staff in accessing reduced costs through the public exchange in the event that you qualify.
Public or Private Exchange
We'll help you find the best deal.
Questions? Call 1-800-282-8626
Exchange plans only available to Florida residents at this time.
Speak to a licensed Benefits Counselor
What's in the Marketplace
Health | Dental | Vision | Disability | Supplemental Plans | and More..
9 Frequently Asked Questions about the Private Insurance Exchange
Q1. What is the CPA Insurance Marketplace/Exchange?
A. The CPA Insurance Marketplace is an online private exchange marketplace where members, and their employees, can compare and purchase products and services from insurance providers that compete for business within the exchange.
Q2. What products are available in the private exchange?
A. Medical insurance is the main attraction on the private exchange, however other products such as dental, vision, disability, accident, telemedicine, and identity theft protection are also available at specially negotiated pricing within the exchange. Insurance plans are provided by leading providers.
Q3. What is different about the insurance plans in the private exchange versus the public exchange (aka Federally Facilitated Exchange or Health Insurance Marketplace)?
A. Most health insurance plans available on the public exchange (known as Qualified Health Plans) will also be available, at the same rates, through the private exchange. The private exchange has additional plans that will not be available through the public exchange. This is because some insurance providers have chosen to limit the number of plans they offer on the public exchange or have chosen not to participate on the public exchange. Both the public and private exchange will have dental plans available. Plans available on private exchange that will not be available on the public exchange include vision, term life, disability, AD&D, wellness, and other supplemental plans.
Q4. Can I be turned down for health insurance coverage in the private exchange due to a pre-existing health condition?
A. Beginning with new coverage effective dates of January 1, 2014, most health insurance plans can't refuse to cover you or charge you a higher
premium because of a pre-existing health condition. This will be the case regardless of whether you purchase your plan on the public or private exchange.
Q5. What about the subsidies I keep hearing about to help me pay for my health insurance?
A. As part of the Affordable Care Act (ACA), beginning in October 2013, lower and middle-income people under age 65, who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through the public exchange. Our online calculator, within the private exchange, will help you estimate if you potentially qualify for a tax-credit. If you do, our enrollment counselors are available to assist and guide you through the tax-credit application and for coverage on the public exchange.
Q6. When will I be able to create an account and begin getting information and pricing on plans in the private exchange?
A. Now. You can now create an account on the private exchange and begin viewing plan information and rates. Benefits counselors will be available to assist you at that time as well. The earliest plans in the private exchange can be made effective is January 1, 2014; therefore you have plenty of time to review your options and enroll for coverage.
Q7. When can I get a quote?
A. Register now and start shopping. 2014 plans and rates are ready for viewing.
Q8. Is the private exchange available to out of state members?
A. No, not at this time. Due to complexities and differences in health insurance providers and the public exchange rules in each state, the health insurance products in the CPA Insurance Marketplace are only available to residents of Florida at this time.
Q9. Do small employers have to pay a penalty for not offering insurance in 2014?
A. No. Under the Affordable Care Act, businesses with fewer than 50 full-time equivalent employees are not required to provide health insurance to their employees. And, those employers will not face tax penalties if they decide not to offer their employees group health insurance. An alternative concept to offering group insurance is for small employers to offer their employees additional pay to assist them in purchasing coverage on the public or private exchange.
Employer Defined Contribution Tools
For Employer Groups (5 or more Employees) | Not Yet Available
Set up Your Employee Benefits Marketplace in 5 easy steps!
Setting up your employees’ health benefits marketplace is easy. After creating your group account, employees make their own health coverage choices and you administer the program - all from a user friendly web portal.