Program Closing

Memorial Hermann has made the decision to wind down and close Memorial Hermann Commercial Health Plan, Memorial Hermann Insurance Company and Memorial Hermann Health Solutions, known collectively as the “Memorial Hermann Commercial Health Plans” (“MH Commercial Health Plans”).

This decision was made following a careful and comprehensive assessment of System assets and resources, including an evaluation of existing opportunities and future challenges amid sustained pressures on health system-owned health plans.

Memorial Hermann will fulfill their obligations under all existing policies through their termination date.

In order to ensure that contracted groups have ample time to evaluate options for successor coverage, groups due for renewal prior to Dec. 1, 2026, will have the option to enroll in a final year of coverage.

Memorial Hermann is committed to communicating transparently and often with employers, brokers and agents and providers as they have additional information to share.

In light of the sustained headwinds facing the health insurance industry, it has become clear that it will be difficult for the MH Commercial Health Plans to achieve the scale required to sustainably provide value for enrollees.

After thoughtful review, Memorial Hermann has made the difficult decision to wind down and ultimately close the MH Commercial Health Plans.

The wind down process involves only the commercial group health plans Memorial Hermann currently offers to employers: Memorial Hermann Commercial Health Plan (an HMO), Memorial Hermann Insurance Company (a PPO) and Memorial Hermann Health Solutions (an administrator of self-funded health plans).

The MH Commercial Health Plans will continue offering coverage to each contracted group through the end of the group’s current plan year.

If the group’s current plan year expires prior to Dec. 1, 2026, it will have the option to renew for a final coverage year.

Memorial Hermann will fulfill obligations under all existing policies through their termination date.

In order to ensure that contracted groups have ample time to evaluate options for successor coverage, groups due for renewal prior to Dec. 1, 2026, will have the option to enroll in a final year of coverage.

Run-out services will be provided in accordance with applicable plan requirements.

Nothing is changing today. Employees will continue to be covered throughout the remainder of their plan year. Following their particular plan’s contract termination date, they will no longer be covered by the MH Commercial Health Plans and should work with their employer to identify alternative coverage options during their benefits enrollment period.

Employees should keep all appointments scheduled through their plan’s contract termination date. If they have appointments scheduled after their plan’s contract termination date, they should work with their employer to confirm that their new coverage includes their current providers. Patients may be required to pay higher out-of-pocket costs for care depending on the new plan they choose.

In some cases, employees who are actively receiving treatment at the time coverage ends may be eligible for Continuity of Care (Transition of Care) provisions, subject to eligibility, plan rules and approval. Employer groups should direct employees with ongoing treatment needs to the Resource Center.

Employees do not need to find new doctors or change any medical appointments now. Following their plan’s contract termination date, members may opt to find new doctors that are covered by their new plan. If employees wish to continue seeing their current providers, we recommend they work with their employer to enroll in a plan that has their providers in network.

Employees should work with their employer to identify a new plan that meets their health care needs and budget.

Please contact the Member Services team for information on plan termination dates.

Employees should work with their employer to identify alternative coverage options during their benefits enrollment period.

Employees who are actively receiving treatment at the time coverage ends may be eligible for Continuity of Care (Transition of Care) provisions, subject to eligibility, plan rules and approval. Employer groups should direct employees with ongoing treatment needs to the Resource Center.