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    Selling Health Insurance to the “Young and Bullet-Proof”

    September 26, 2025
    If you’ve been in the business for any length of time, you’ve probably met the “young and bulletproof” crowd—those energetic, healthy 20- and 30-somethings who think health insurance is unnecessary. That mindset is understandable, after all, they’ve got better things to spend their money on, right? But the truth is, insurance isn’t about frequent doctor visits; it’s about being protected when life throws you a curveball, and even the healthiest young adults face risks that can turn their finances upside down.
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    Individual Producers: Are You Ready for a Shortened Open Enrollment Season?

    April 24, 2025
    When President Trump took office for the second time, few people expected things to remain the same, and so far, that assumption has proven true. Nearly every day, we hear about the administration’s efforts to reverse many of the policies enacted during President Biden’s term. The health insurance industry is seeing its fair share of changes as well.
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    Telehealth in 2025: The Rules Are Changing

    April 17, 2025
    When the COVID pandemic hit, many people who had never used telehealth before decided to give it a try—primarily to avoid sitting in waiting rooms full of sick people. Once they learned how convenient and effective virtual visits could be, many stuck with it.
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    Finish Strong: The Final Stretch of Open Enrollment

    December 17, 2024
    CMS has extended the FFM deadline to December 18, for clients to enroll in individual health plans with a January 1 effective date. However, the Open Enrollment Period (OEP) isn’t over yet. Agents have until January 15 to enroll clients in coverage effective February 1. The final weeks of the OEP are a great opportunity to pad your sales numbers and help more clients secure the coverage they need.
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    Individual or Medicare – why not both?

    July 19, 2024
    If you're an insurance agent who specializes in either individual or Medicare products, you face some unique challenges:
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    Capitalizing on Special Enrollment Periods: Opportunities Post-Open Enrollment

    February 22, 2024
    Now that the Open Enrollment Period has concluded, you might think it's time to kick back and relax for a few months. Not so fast! There are numerous situations that allow individuals to sign up for health insurance outside of the annual Open Enrollment Period, meaning there are still plenty of opportunities to assist clients. This article, based on the comprehensive guide from CMS titled Understanding Special Enrollment Periods, will help you navigate these critical periods to better serve your clients. You may want to share the guide with clients who are eligible for an SEP.
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    The AEP Is Over, But There’s Still Plenty to Do

    December 20, 2023
    As we wave goodbye to the Annual Election Period (AEP) for Medicare Advantage and Part D plans, which concluded on December 7, you might be tempted to wind things down and enjoy the holidays. And while it is important to take a breather and spend time with loved ones in the coming weeks, it's also important to recognize that there’s still plenty of work to do. While the AEP is the busy time of year for many of us, the close of this period brings with it new opportunities, particularly in the individual market.
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    Tobacco Use: How Big of a Factor Is It?

    June 23, 2023
    A recent article in the Virginia Mercury caught our attention. It seems that Virginia Governor Glenn Youngkin supports legislation to eliminate higher premiums for tobacco users in the state. The practice of rating health insurance policies for tobacco use has been a contentious issue in recent years, and Governor Youngkin’s about face on this issue has reignited the debate surrounding this practice.
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    4 Million Individuals Could Get MLR Rebates This Year

    June 10, 2022
    The Kaiser Family Foundation has published two articles recently about the MLR rebates that will be sent out this fall. The first article, from June 1, explains that “insurance companies are expecting to pay out $1 billion in rebates to consumers this fall under” the ACA’s minimum Medical Loss Ratio provision, which requires individual and small group plans to spend 80% of the premium they collect on medical claims and large group plans to spend 85%. If they fall short of these numbers, the excess premium must be returned to their policyholders.
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    Like Everything Else, Drug Prices Are Increasing

    May 13, 2022
    You’ve probably well aware that inflation is the highest it’s been in decades. Some say this was to be expected since we’re coming out of a two-year pandemic. Others point to supply chain issues caused, in part, by Russia’s attack on Ukraine. Others blame the Biden administration’s economic policy. Still others point out the record profits that companies are making and say the price increases are driven by nothing more than corporate profits. Who knows – it could be a combination of all these factors.
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