As you know, the first two enrollment deadlines for 2016 coverage have come and gone. During these last couple of weeks of the annual open enrollment period, people can sign up for coverage to begin on March 1st. We know you’re busy trying to sign up as many people as possible in the last few days, so we’ll keep this short, but we did want to share a couple items with you that may help you better advise your clients and bring in a few more sales.

The Affordable Care Act’s advance premium tax credit (APTC) has been wildly successful. It’s helping millions of Americans pay for health insurance purchased through the individual Marketplace. However, something that’s been confusing for many is the fact that it is an advance. The tax credit is based on the estimated amount that an individual believes they will earn in the coming year. This estimate must be made at the time of the insurance purchase, and, of course, the actual amount earned could ultimately be more or less than anticipated.

It's August (already) and that means that Autumn is just around the corner. This season of change brings with it multi-colored leaves, harvest festivals, a crispness in the air and . . . the next open enrollment for consumers in the insurance market.

Some people dabble in health insurance. Others specialize. Those who dabble may sell it as a courtesy to