Marketplace – Hourly Members Only

MOE logo

The Midwest Operating Engineers Health Plan Marketplace (the “Marketplace”) became effective April 1, 2016.  The goal of the Marketplace is to allow more choices to better meet our members’ health care needs while addressing rising health care costs for the Welfare Fund. To make this happen, you must start thinking like a consumer:

  • review your family’s health care needs
  • weigh the costs and features of each health plan option
  • do you have enough credits in your Credit Bank to afford the health plan you want to select?
  • what are your projected work hours and employer contribution rate (less the retiree subsidy)?
  • is your Employer reporting your hours timely?  Log into your My150 account and view your My HOURS tab.

By considering the above, you can choose a plan that best meets your family’s needs and is affordable.  If you don’t need coverage under Plan A and/or family coverage, you’ll be better off choosing a different health plan option. This will keep more credits in your Credit Bank to pay for health plan coverage over time.

If you are a new member to the Marketplace, you must meet the eligibility requirements of working 300 hours in a rolling consecutive 12 month period.

For example:  May – 150 Hours       June – 150 hours

You worked your 300th  hour in June but these hours are not reported to the Fund Office until July;  August is considered the Administrative Period and your coverage under the Marketplace will begin September 1st.

Once the Fund Office starts receiving your welfare contributions, you will receive information so that you can register on My150 and start adding your dependents.

For the first Plan Year that you become eligible for the Marketplace, you will be covered under the Bronze PPO Plan based on your appropriate coverage tier (i.e. Member Only, Member + 1, or Family).  During the next Open Enrollment period, you will be able to select from any of the Marketplace health plan options.  Click here for more information.

PLEASE NOTE:  Open Enrollment is an annual process. The open enrollment period just ended on February 28, 2019. Your health plan coverage for the new Plan Year will commence on April 1, 2019 through March 31, 2020. Its important that you re-evaluate your projected work hours and your medical needs to ensure you are choosing a health plan option that best fits your family’s needs. Prior to open enrollment, you will receive all the information that you will need in order to make and informed health care option decision. 

The following information was presented during the 2019 Health Fairs (coverage effective April 1, 2019 through March 31, 2020).

If you missed the opportunity to attend one of the Health Fairs, its important that you review the following material in order to stay informed about the upcoming changes to the MOE Health Plan Marketplace for the 2019/2020 Plan Year.  Please review the following material prior to making a health plan selection:


  • It is always recommended that you contact all of your providers to determined if they are in the BlueCross BlueShield network (For the PPO Plans and the EPO Plan) and Advocate Network (HST Care Connect for the OHC Plan).
  • Effective April 1, 2016, the Welfare Fund provides coverage for certain Preventive Services as required by the Patient Protection and Affordable Care Act of 2010. For more information on these Preventive Services please click the links located on the right side of the page.

Please take advantage of the resources available.  The Fund Office is always here to support you!!