Notice: YOUR HEALTHCARE PLANS MAY HAVE BEEN SOLD DECEPTIVELY. 

DECISION REQUIRED FOR SOME CONSUMERS—YOU MAY QUALIFY FOR A SPECIAL ENROLLMENT PERIOD TO ENROLL IN OTHER COVERAGE.

You have been directed to this website because you bought a healthcare plan from one of the following businesses: (a) Innovative Partners, LP, which also does business as Innovative Health Plan and Healthcare Plan; or (B) American Collective, LP, which also does business as ACLP Health Plan. The Federal Trade Commission (FTC)—the nation’s consumer protection agency—has sued these businesses for deceiving their customers. You can find more information about the lawsuit by visiting the FTC’s website.

The businesses named above claimed to offer comprehensive health insurance or PPOs that would cover many of your medical needs. But these businesses sold only medical discount memberships, limited benefit plans, and other products that provide a small reimbursement or discount for a few services.

That means the health plan that you purchased from one of the businesses named above is not comprehensive health insurance. If you get sick or have to go to the doctor or hospital, you may have to pay almost all of your medical bills yourself.

The United States District Court for the Southern District of Florida has issued a preliminary injunction and appointed Paul Lopez as the Receiver for the businesses named in the FTC’s lawsuit. It is the job of Mr. Lopez and his professionals to assist with aiding all of the customers of Innovative Partners and American Collective in determining what action should be taken in view of your purchase of a health plan that may have been deceptively sold to you.

Mr. Lopez, as Receiver, has established this website where Mr. Lopez and his attorneys will post updated information concerning the Court’s administration of the businesses that sold you your health care plan. If you have questions concerning your health care plan or the status of the litigation, please continue to visit this website for updated information. If you are having difficulty with a claim that you made previously and which remains unpaid, please complete the form on the following link. If you have questions for the receiver, please write to him at innovativereceiver@trippscott.com, and your correspondence will be responded to promptly.

This update affects only consumers who were enrolled in a plan with American Collective or Innovative Partners at any time during the year 2026.

The following guidance applies if you live in a state served by the federal Health Insurance Marketplace®. To check whether your state is served by the federal Health Insurance Marketplace®, visit https://www.healthcare.gov/get-coverage/ and select your state. If you live in a state that operates its own Marketplace, contact your state’s Marketplace to inquire about enrollment opportunities

Through special arrangements made with the Centers for Medicare and Medicaid Services (CMS), you have a special opportunity to get comprehensive health coverage through the Health Insurance Marketplace®, the federal program that helps you find health coverage that fits your budget and needs. Ordinarily, consumers may only enroll in Marketplace coverage during the annual Open Enrollment Period or after experiencing a Qualifying Life Event. But CMS is making an exception for consumers who may have been misled by Innovative Partners or American Collective. If you were enrolled in an Innovative Partners or American Collective plan at any time during 2026, you may be eligible to enroll in Marketplace coverage, even if your plan was canceled prior to the FTC’s lawsuit.‍

You have until Monday, August 10, 2026, to enroll in a Marketplace plan. Act now to shorten any gap in your health coverage and/or to obtain retroactive coverage for prior months in 2026.

When you apply through the Marketplace, they’ll check if you qualify for lower premiums and other costs, or for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP), based on your income.

How to get Marketplace coverage:

‍ ‍1. Visit HealthCare.gov and select “Apply for coverage.”

Create an account and fill out an application. When creating your Marketplace account, use the email address you used when you first signed up for your Innovative Partners or American Collective plan.

NOTE: You may get a message saying you aren’t eligible to enroll in a plan because the Open Enrollment Period for 2026 ended. Ignore this message. Because of your situation, you’re still able to enroll now.

‍ ‍2. Enroll in a Marketplace plan for 2026 coverage.

You have until August 10, 2026, to select a Marketplace plan.

There are two ways to enroll:

Option #1 - Contact the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325.

When you call, they’ll confirm that you qualify for this special opportunity, called a Special Enrollment Period, and help you find a Marketplace plan that meets your needs and budget.

Be sure to tell them:

• You’re an Innovative Partners or American Collective customer. Mention the FTC case and injunction against Innovative Partners and American Collective.

• The email address and phone number you used when you first signed up for your Innovative Partners or American Collective plan. This information has been shared with the Marketplace, so they know who you are and can confirm that you qualify for this Special Enrollment Period.

Option #2 - Pick a plan online through HealthCare.gov. About 4 days after you submit your application, your Special Enrollment Period will become available.

• Log in to your Marketplace account at HealthCare.gov, then select your 2026 application.

• Select “Report a Life Change” to update your application and get new Eligibility Results. You’ll automatically qualify for a Special Enrollment Period.

• Select a plan.

When will my Marketplace coverage begin?

Your Marketplace coverage will start on the 1st day of the month after you select a plan. You have to pay your first premium for coverage to start.

You may be eligible for an earlier start date for your Marketplace plan. This would allow you to secure insurance coverage for health care you received in 2026, though you would need to pay the monthly premiums for any months of retroactive coverage that you obtain. Contact the Marketplace Call Center after you submit your application to request an earlier start date for your Marketplace coverage.

For more help:

• For questions about the Marketplace®, visit HealthCare.gov, or call the Marketplace® Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325.

• Make an appointment with someone in your area who can help you. Information is available at LocalHelp.HealthCare.gov.

• For unbiased advice on your health insurance options, such as Medicaid and Marketplace options, visit www.medicaid/gov/about-us/where-can-people-get-help-medicaid-chip or Healthcare.gov.

If you have questions for the receiver, please write to him at innovativereceiver@trippscott.com, and your correspondence will be responded to promptly.

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UPDATE AS OF April 30, 2026

Important Notice: YOUR HEALTHCARE PLANS MAY HAVE BEEN SOLD DECEPTIVELY. DECISION REQUIRED

You’re getting this message because you bought a healthcare plan from one of the following businesses: (A) Innovative Partners LP, which does business as Innovative Health Plan and Healthcare Plan, or (B) American Collective, LP, which does business as ACLP Health Plan, or (C) Health Plan Administrators LLC. The Federal Trade Commission (FTC), the nation’s consumer protection agency, has sued these businesses for deceiving its customers.

The businesses named above claimed to offer comprehensive health insurance or PPOs that would cover many of your medical needs. But these businesses sold only medical discount memberships, limited benefit plans, and other products that provide a small reimbursement or discount for a few services.

That means the health plan that you purchased from one of the above-named businesses is not comprehensive health insurance. If you get sick or have to seek medical care, you may have to pay almost all of your medical bills out of pocket.

The United States District Court for the Southern District of Florida has appointed Paul Lopez as the Receiver for the above-named entities. It is the job of Mr. Lopez and his professionals to assist with aiding all of the customers of the above entities in determining what action should be taken in view of your purchase of a health plan that may have been deceptively sold to you.

In addition to the decisions that you need to make, which are listed below, Mr. Lopez, as Receiver, has established this website where Mr. Lopez and his attorneys will post updated information concerning the Court’s administration of the businesses that sold you your health care plan. If you have questions concerning the administration of your health care plan, please continue to visit this website for updated information. If you are having difficulty with a claim you have made that remains unpaid, please complete the form located here. If you have questions for the Receiver, please write to him at innovativereceiver@trippscott.com, and your correspondence will be responded to promptly.

Because of the lawsuit, you have two decisions to make soon.

DECISION #1:  What to do about your health plan.

You can:

1. Cancel your plan. The easiest and most effective way to cancel your plan is to take the following two steps: (a) if you make payments for your plan by the use of a charge on a credit or debit card, contact the issuer of your credit or debit card and instruct the issuer to stop allowing any payments to be charged/deducted from your account. If your bank account is directly charged for the payment for your plan, contact your bank and instruct your bank to stop allowing any payments to be taken from your bank account; AND (b) send an email to innovativereceiver@trippscott.com with “CANCEL” in the subject line, and include your full name, phone number, and plan number in the body of the email.

2. Continue paying for your plan. If you don’t call to cancel, we will assume you choose to continue your plan. But remember that what you’re paying for is not comprehensive health insurance. If you get sick or have to go to the hospital, you may have to pay almost all of the bills yourself.

DECISION #2: Whether to apply for comprehensive healthcare coverage

You may still be able to buy a health insurance plan through the federal Marketplace, www.healthcare.gov. The open enrollment period is over, but this change in circumstances may be a qualifying life event that will permit you to enroll in a health insurance plan at this time. Please visit www.healthcare.gov and carefully review your options, including other triggering life events that may apply to your situation.

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On April 15, 2026, the United States District Court for the Southern District of Florida appointed Paul Lopez as receiver for the above-named entities and individuals.

The receiver is in the process of gathering sufficient information to make a determination as to the continuation of the business operations.

As soon as the receiver is able to obtain a list of all parties that have done business with the above entities, a detailed communication will be sent by email, if possible, and by regular mail.

Please check this website on a regular basis for further updates.

A copy of the court order that was entered on April 15, 2026, is attached.

The Receiver and his legal counsel can be reached by email at innovativereceiver@trippscott.com.