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    What's in Store for the ACA?

    September 6, 2019
    A presidential election year can seem like a time of uncertainty. The current President is trying to hang on to his job while other candidates—in this case, a couple dozen other candidates—are busy explaining all the things that they will change if they are able to unseat him. Other elected officials are up for re-election as well, so there are plenty of proposals and promises and criticisms and sound bites. With all of the noise, it’s easy to understand why people are unsure about what will happen in the months and years ahead.
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    HSA Limits for 2020

    August 23, 2019
    The Internal Revenue Service has announced the 2020 deductible, out-of-pocket, and contribution limits for Health Savings Accounts (HSA). Here they are:
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    Do Visual Learners Buy Insurance Over the Phone?

    August 9, 2019
    In May, The Hill reported that “A crowd broke out into chants of ‘PowerPoint, PowerPoint, PowerPoint,’ at Democratic presidential hopeful and entrepreneur Andrew Yang’s” rally in Seattle after the candidate announced that he would use PowerPoint in his State of the Union address if he wins the election. Yang has admitted that his is “the nerdiest presidential campaign in history,” but clearly his idea has resonated with some voters.
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    Expanded Short Term Plans Get Green Light from Federal Judge

    August 3, 2019
    On Friday, July 19, a federal district court judge in DC sided with the Trump administration in its defense of a rule expanding short-term, limited duration health insurance plans to twelve months with the option to renew the coverage for up to three years. The plans had been limited to three months under the Obama administration, which thought they could weaken the individual markets, but, as Modern Healthcare explains, Judge Richard J. Leon believed the potential benefits outweighed the potential harm. He writes in his decision that “Not only is any potential negative impact from the 2018 rule minimal, but its benefits are undeniable.”
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    Don’t Be Fooled by Non-Network Providers

    July 26, 2019
    As provider networks continue to shrink and more non-network facilities like free-standing emergency rooms pop up, it’s crucial that brokers explain the importance of staying in network to their clients.
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    How do you spreadsheet extra perks?

    July 20, 2019
    Most agents who sell group health coverage, and some that sell individual as well, create a spreadsheet in order to present the plans in an “apples to apples” format so their clients can quickly narrow down their options. While the spreadsheet can be a useful tool when comparing dissimilar plans by helping the client focus on the most important benefits, one big disadvantage of a quote spreadsheet is that it minimizes the characteristics of a health plan that differentiate it from the other options.
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    Do you keep in touch with prospects that didn’t buy?

    July 11, 2019
    Do you know what your close ratio is? What percentage of your prospects actually turn into clients? If you don’t know, it might be a good idea to start keeping track of this information. It will help you determine what sales techniques work and help identify areas of improvement.
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    How do you pick your CE classes?

    June 27, 2019
    Unless you’ve been in the business long enough to be grandfathered, you’re probably required by your home state to complete a couple dozen continuing education hours each license renewal period.
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    One Long-Term or Two Short-Term Plans?

    June 21, 2019
    For those who qualify, short-term health plans can be a great alternative to ACA compliant individual plans, especially now that the individual mandate penalty has been reduced to zero. True, short-term plans do not cover preventive care or pre-existing conditions, and they are not guarantee issue like individual plans are, but they do offer much lower monthly premiums than individual plans.
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    Preventive Care Isn’t Really Preventive

    June 14, 2019
    Let’s be honest—most preventive care visits don’t really prevent illnesses. When we go to the doctor to get poked and prodded during our annual physical, most of the tests are intended to determine if we already have or are susceptible to something that, without treatment, could become more serious.
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