See below Horizon Brief Notes regarding this transition
Applies to: Small Group and Midsize Markets
To help manage rising healthcare costs, Horizon will transition its commission structure from a percentage-of-premium model to a per-contract-per-month (PCPM) model.
This change will take effect January 1, 2027, and applies to:
- Small Employer and Midsize Horizon Level Select business
- Midsize Fully Insured business
Small Employer – Horizon Level Select
- A flat $70 PCPM will apply to all new and existing Small Group Horizon Level Select accounts
- Existing groups will convert to the PCPM structure at renewal beginning
January 1, 2027
Midsize New Business – Horizon Level Select & Fully Insured
- Commission will be scalable, with:
- Base: $45 PCPM
- Maximum: $80 PCPM
Midsize Existing Business
- Fully Insured Groups
- 2026 percentage-of-premium commissions will convert to PCPM at renewal beginning January 1, 2027
- If the converted amount exceeds $80 PCPM, the higher amount will be honored but cannot be increased further
- Horizon Level Select Groups
- Commissions will convert to a standard $45 PCPM at renewal beginning January 1, 2027
Commission Change Requests
All commission changes must continue to meet existing transparency and disclosure requirements, including submission of the Broker Commission Change Form.