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 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.

Memorial Hermann will provide direct written communications to employer groups, providers and brokers and agents. Employer groups are responsible for determining how and when information is shared with their covered employees, consistent with applicable requirements. Brokers and agents will receive updates throughout the transition to support their clients.

Memorial Hermann will honor each group’s current policy through its applicable renewal date. Coverage, benefits and administrative processes remain unchanged until that date.

In order to ensure that contracted groups have ample time to evaluate options for successor coverage, we will offer groups due for renewal prior to Dec. 1, 2026, the option to enroll in a final year of coverage. Therefore, we will continue to work with you as a trusted network provider until late 2027.

Agents and brokers may contact their assigned Sales or Account Management representative for questions related to group coverage, renewals or transition planning. Additional support channels will be made available during the sunset period.

No. Communications will be directed to agents/brokers and employer group contacts on file. Employer groups are responsible for communicating plan changes to their employees.

Commissions for eligible coverage periods will be paid in accordance with existing broker compensation agreements. Additional details regarding final commission payments and timing will be communicated separately.

Yes. Memorial Hermann will honor all proposals previously issued with effective dates on or before August 1, 2026 provided the proposal terms have not expired and all standard underwriting requirements are met.

Yes. Agents and brokers may utilize the following resources:

• A designated agent/broker support channel (details forthcoming).
• Sales and Account Management contacts for group‑specific questions.
• The Commercial Health Plans website: For Brokers.
• Member Services for benefit and claims inquiries related to active coverage.
• Health Insurance Marketplace (healthcare.gov) for general coverage information
• State of Texas resources for comparing coverage options:
  • texashealthoptions.com
  • texashealthplancompare.com