Individual Health Plans: Important Premium Payment Reminders
Published: 02.06.2025
Please be reminded, for both on-exchange and off-exchange policies, it is very important for members to pay their first monthly premium promptly to avoid being terminated for non-payment of premium.Termination for non-payment of premium is not considered a Qualifying Life Event. In some instances, reinstatement may not be possible. Additionally, ID cards are only issued to the member once payment is reflected on the account and is paid to date.
Carriers typically have a 30-day grace period for off-exchange policies and a 90-day grace period for on-exchange policies that receive a premium subsidy. Members should always consult with the carrier directly to determine which grace period applies to their policy.
Learn about premium payments for each carrier below.
Carrier Plans
| Ambetter/Centene (Multiple States) | Members can make their binder payment directly with Ambetter using this link: Ambetter Payments |
| Aetna Off-Exchange (Multiple States) | If they haven’t made a payment during the enrollment process, members can make a payment once an ID# has been assigned. Members can make a payment using this link: Aetna CVS Payment |
| AmeriHealth Off-Exchange (NJ) | If the member did not provide a binder payment during the enrollment submission process, they can make a payment either through their member portal, amerihealthexpress.com, or by calling 800.313.9168. For more information and other different payment methods, please visit the AmeriHealth website. |
| Highmark (PA, DE) | Members can pay their premium online using the following links:
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| Horizon BCBSNJ Off-Exchange (NJ) | Payment information for the first month’s premium must be submitted with the application in the form of ACH (please include a copy of a voided check) or by credit card (Visa, Mastercard or Discover only). Please make sure to provide the credit card’s 3-digit security code as this is required by Horizon BCBSNJ during the submission process. Please do not send checks, money orders or cash. For existing members, they can continue paying directly from their Horizon Member Portal to ensure their monthly autopay is set up accordingly. |
| Independence Blue Cross Off-Exchange (PA) | If the member did not provide a binder payment during the enrollment submission process, members can make a payment either through their member portal, ibx.com, or by calling 888.879.4891. For more information and other payment methods, please visit the IBX website. |
| Oscar Off-Exchange (NJ & PA) | Members will be billed directly by Oscar and can make a payment directly from their Oscar Member Portal, hioscar.com/auth/login. |
| UnitedHealthcare (NJ) | Members can register for their account once they are in the UHC system and make a payment using this link: UHC Members. |
Marketplace Plans
| GetCoveredNJ | Members can and are encouraged to submit payment during the enrollment process. They can also make a payment directly with the carrier post-submission as long as it is before the requested effective date. For more information, visit nj.gov/getcoverednj/. |
Pennie PA |
All premium payments are processed by the insurance company. Pennie does not accept any form of payment for health coverage. For more information, visit pennie.com. |
| Healthcare.gov | All premium payments are processed by the insurance company. For more information, members should log in to their Marketplace account. |
📅 Open Enrollment & Special Enrollment Periods
For more information, please visit our submission guidelines for both Open Enrollment and Special Enrollment Periods.
- Submitting Individual Plans During Open Enrollment Period
- Submitting Individual Applications During a Special Enrollment Period (SEP)
📧 Questions?
If you have any questions, please contact our Individual Team at individualenroll@savoyassociates.com.
