By now, you’ve certainly heard about—and hopefully you’re taking advantage of—the three-month special enrollment period in the individual market. For those who haven’t paid close attention, here’s a quick summary to get you up to speed.

Most people find insurance confusing. For agents, this isn’t a big surprise; we see the confusion on our clients’ faces when we try to explain their options to them, and we regularly hear clients use insurance terms like copay and coinsurance interchangeably.

Even when nothing’s biting, fishing can be a fun and relaxing activity. We get a chance to be outdoors, and if we go with someone else, the time spent together can be enjoyable. Still, “catching…a bunch of fish,” as Outdoors Weekly points out, “is the main reason that we go fishing.” And to accomplish this goal, we need to find hungry fish. Here’s some advice the magazine provides in a recent article: To consistently catch fish, we first need to find them. However, at times just finding the fish isn’t enough. You’ve got to find the fish that are willing to eat your bait.

As advisors, our job is to evaluate our client’s situation and make customized recommendations about health insurance and other types of coverage. Unfortunately, some agents are guilty of telling clients what they want to hear rather than what they need to hear; instead of recommending cost-saving solutions that are outside the client’s comfort zone, some advisors adopt a “don’t rock the boat” strategy, narrowing their plan recommendations to those that satisfy their client’s wants but not necessarily their needs.