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Individual Market – Looking Ahead to 2024

The 2023 open enrollment period ended January 15, and if you’re like most brokers, you’re probably exhausted and ready for a break. That’s understandable – this was a record-breaking year. HHS reports that nearly 16 million people signed up for Marketplace coverage during the open enrollment period, a 13 percent increase over 2022. Actually, that report came with a few days left in the 2023 signup period, so the final numbers will likely be even higher.
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Hospital Indemnity Plans Can Fill Big Gaps in Health Coverage

People buy health insurance to protect them in the event of a big medical claim. Unfortunately, with today’s rising deductibles and out-of-pocket limits, which will be $7,500 for HSA-qualified plans and $9,100 for non-HSA plans in 2023, despite its name, major medical health insurance alone isn’t enough for many people. Even with insurance protection, a huge percentage of Americans will have trouble paying their share of the bills.
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One in Three Go Without Needed Dental Care

A recent article in USA Today reports that a whopping 30 percent of Americans “haven’t been to the dentist since before the COVID-19 pandemic began.”
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More Evidence You Should Be Selling Dental Insurance

A recent article from DentistryIQ reports on a new CareQuest Institute survey that concludes, among other things, that Americans are not getting the dental care they need. The survey, according to the article, “is the largest and most comprehensive of its kind, with more than 5,000 participants and 170 questions.”
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Reminder: Low-Income Individuals Can Enroll Anytime

Healthcare.gov recently sent an email to registered brokers to let them know that “The American Rescue Plan (ARP) created more opportunities for lower-income consumers to access Marketplace health care coverage, including a new Special Enrollment Period for consumers with income less than or equal to 150 Percent of the Federal Poverty Level (FPL).” It’s a good reminder for agents who are looking for something to do now that the extended open enrollment period is over.
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Some Words of Advice for 2022

As we close the door on 2021—another year dominated by the COVID pandemic—we’re all looking forward to brighter days in 2022. If there’s one thing COVID has taught us over the last couple years, it’s that time is precious. There are no guarantees in life, and we never know when our plans, vacations, holidays, or even our lives may be disrupted. We hope you have lots of time in 2022 for family, friends, and the things in life that are really important. Take advantage of these opportunities while we have them. Yes, work is important, but remember that we work to live, not the other way around.
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Be sure to remind clients about COVID-19 cost sharing

Insurance is confusing. But it’s even more confusing when it changes frequently. And, thanks to COVID, there have been a LOT of changes in the last couple years.
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Ready? Set? Sell! An Open Enrollment Checklist for Agents

At AHCP, we LOVE it that agents find value in our blog posts, Motivation Monday webinars, and the other training tools we provide. But there’s other great information out there, including the Quotit blog. Quotit is a sister company of AHCP, and you can also find some great tips by reading our blog posts under the Quotit banner.
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This Year’s Open Enrollment Period Could Be Big

This year has flown by. We’re only weeks away from the start of another open enrollment period in the individual market, and all signs are pointing to this being a big one. Are you ready?
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Do your clients ask you about car insurance?

Most agents want to provide accurate information to their clients. That makes sense. After all, we are the trusted advisors that clients rely on to learn about their insurance needs, evaluate the options they have to satisfy those needs, and purchase the insurance products that provide the best coverage at the most affordable price. It’s difficult to provide sound advice if we’re not confident in our level of understanding.
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