Are we really talking about individual and family health insurance sales again?

Are we really talking about individual and family health insurance sales again?

As I sit down to jot my thoughts on some encouraging news relative to individual and family health insurance plans in Pennsylvania, it is not lost on me that most of us who have worked in this segment thought we were long ago left in the dust, just like the customers we serve. However (and yes, here it is... the paradigm shift), with the 2016 relatively modest release of the Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) and the 2019 Individual Coverage Health Reimbursement Arrangement (ICHRA), along with Pennsylvania's move to a State Based Exchange (SBE) for January 1st 2021 enrollments, I think the individual and family health insurance market is worthy of some renewed serious contemplation.

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Ch-ch-ch-changes in Health Care

Ch-ch-ch-changes in Health Care
Change is good. Change allows for a new outlook. Change creates confusion. Change can be embraced or rejected, but there is no greater opportunity than change!
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Providing Certainty in an Uncertain Health Market

Providing Certainty in an Uncertain Health Market

There have been many times in my health insurance career that I had to dig deep to find the positive in the rapid-fire changes that came with the passage of the Affordable Care Act in 2010.

Since then, I'm sure all of us in this market segment have felt frustrated by the many unanswered questions and the inconsistency of the answers that we get from those that are supposed to be "in-the-know."  With the recent passage of the AHCA through the House, I suspect that even as this bill moves through the Legislative branches of our Government, there will be many unanswered questions that none of us can yet answer.

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Protect Your Client’s Most Valuable Asset

Protect Your Client’s Most Valuable Asset

Odds are if you asked your client what their most valuable asset is, they most likely would respond with "my home, my car, my boat, etc." Very few would say their income/paycheck.

That's because most people do not immediately equate this question with their ability to earn a paycheck. If your client was sick or injured and unable to work or earn a steady paycheck, how would they pay for the things they love, or the insurance to protect them? Would they be able to pay their monthly mortgage or rent and still be able to pay their monthly bills, credit cards or car payments? You can help make sure they can sustain their lifestyle.

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