Special Enrollment Period: ClearShare, Innovative Partners, or American Collective
- Consumers enrolled in certain non-comprehensive health products may be eligible for a Special Enrollment Period (SEP) to transition into a qualified health plan (QHP) through the Marketplace.
- Partners should help impacted consumers understand their options, encourage timely action, and connect them with HealthCare.gov or enrollment assistance.
ClearShare
What Happened
- The Oregon Division of Financial Regulation issued a Cease-and-Desist Order against ClearShare Health after determining the company operated as an insurer in Oregon without the required certificate of authority. As a result, impacted consumers qualify for a SEP to enroll in Marketplace coverage.
- ClearShare Health plans will end effective September 1, 2026. Consumers currently enrolled will need to obtain new coverage to avoid being responsible for medical costs after coverage ends.
What You Should Know
- Anyone with current ClearShare coverage will end Sept. 1, 2026.
- You may still qualify for a SEP even you already cancelled your coverage.
- You may qualify for a SEP through the Marketplace.
- You may be eligible for financial assistance, including:
- Lower monthly premiums
- Reduced out-of-pocket costs
- Free or low-cost coverage through the Oregon Health Plan (OHP), depending on income eligibility
- Your SEP via HealthCare.gov is: June 15 – Aug. 14, 2026
What You Can Do
- Visit HealthCare.gov and complete a 2026 Marketplace application.
- Use the email address you originally used when signing up for ClearShare.
- If you receive a message saying Open Enrollment has ended, continue. You may still qualify through the SEP.
- Select a Marketplace plan. You can also call:
HealthCare.gov Call Center
1-800-318-2596
TTY: 1-855-889-4325
Coverage Timing
- Marketplace coverage generally begins the first day of the month after a plan is selected and the first premium is paid.
- If you previously canceled coverage and experienced certain medical expenses, you may be able to request an earlier effective date by contacting the HealthCare.gov Call Center.
Innovative Partners / American Collective
What Happened
- The Federal Trade Commission (FTC) filed a lawsuit against:
- Innovative Partners, LP (doing business as Innovative Health Plan and Healthcare Plan)
- American Collective, LP (doing business as ACLP Health Plan)
- The FTC alleges these companies marketed non-comprehensive medical discount memberships and limited benefit plans as comprehensive health insurance products, including PPO plans.
- Some consumers may have believed they had comprehensive health insurance coverage when their plans did not provide the level of coverage expected.
What You Should Know
- A temporary SEP has been approved to help impacted consumers transition into comprehensive Marketplace coverage.
- Eligible consumers include individuals who:
- Were enrolled in an Innovative Partners or American Collective plan at any time during 2026
- Live in a state where they seek Marketplace coverage
- May still qualify even if their plan has already been canceled
- The special enrollment period via HealthCare.gov is: June 11 – Aug. 10, 2026
What You Can Do
Recommended Option: Call the Marketplace
- Call the HealthCare.gov Call Center
1-800-318-2596 TTY: 1-855-889-4325 - Be sure to say: “I am an Innovative Partners or American Collective customer."
- The Marketplace can verify eligibility and assist with enrollment.
Online Enrollment Steps
- Go to HealthCare.gov
- Complete a 2026 application
- Use the email address connected to their original account
- Continue even if they receive a message that Open Enrollment has ended
- Return after approximately four days
- Select “Report a Life Change"
- Complete SEP enrollment steps
Coverage Timing
- Consumers who enroll may receive:
- Prospective coverage beginning the first day of the month after plan selection
- Some consumers may request:
- Retroactive coverage for earlier months in 2026 through the Marketplace Call Center
- Retroactive coverage requires payment of applicable premiums
Key Messages
- This is a limited-time opportunity for people who have been impacted.
- Do not wait until the deadline to seek help.
- HealthCare.gov is the official pathway to determine eligibility and enroll.
- You may qualify for financial assistance depending on your household situation.
Resources
ClearShare Resources
Innovative Partners / American Collective Resources
Displaced by wildfires, disasters
Oregon is currently facing far more evacuations and displacements than recorded history has shown. As such, many Oregonians applying for coverage through the Oregon Health Insurance Marketplace and Medicare plans must take note of how to accurately report their address on the application.
It is important for those displaced by wildfires to be aware of how and where they may retrieve their mail. The United States Postal Service (USPS) has issued information about relocated operations due to wildfires.
Use current address
When completing the Marketplace application, consumers should use their current address, based on where they intend to reside.
- If they have not officially moved, they may continue to use the address where they intend to reside.
- If they are displaced because they no longer have a permanent address, they may select that they do not have a permanent physical address and provide a mailing address for contact purposes.
- It should not be necessary to provide proof of address.
- Current enrollees should update their current address, if their permanent address has changed. Plan options may be different if they are residing in a new area.
Marketplace enrollment due to national emergency, major disaster
Oregonians affected by the wildfires can use the federal emergency declaration by the Federal Emergency Management Agency (FEMA) to take advantage of an exceptional circumstances special enrollment period (SEP). FEMA has issued emergency declarations for Oregon wildfires in 2021. See if you're affected by an emergency declaration on the FEMA website.
Oregonians will have up to 60 days from the end of the FEMA-designated incident period to select a new health insurance plan through HealthCare.gov or make changes to their existing health insurance plan. People who experienced a life change are eligible for a standard special enrollment period that allows them to sign up for a plan 60 days before or 60 days after their life change to enroll in a plan. Examples of a life change include loss of coverage due to loss of employment, marriage, addition of a new family member, gaining lawful immigration status, and moving homes.
Oregonians who were eligible for a standard special enrollment period, but missed this window due to the Oregon wildfires, can use the FEMA SEP to enroll in a plan. Applications are being accepted at HealthCare.gov if the life change is a loss in coverage and at 800-318-2596 (toll-free) for all other life changes.
- The FEMA SEP due to the Oregon wildfires is available for people who qualified for a special enrollment period from the initiation of a FEMA emergency declaration through up to 60 days after the FEMA emergency has ended.
- The FEMA SEP due to COVID-19 is available for people who qualified for a special enrollment period from Jan. 1, 2020, through up to 60 days after the national public health emergency has ended. The current national declaration is set to end in late October.
For more information, visit
HealthCare.gov/SEP-List.
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