Obamacare represents one of the biggest changes to American health insurance for individuals, employers, workers and health care providers. For many health insurance agents, however, the trip felt like an uphill battle. Commissions decreased structures, employers cancel group policies, and health insurance markets are not carved out a clear role for agents.
So what is the fate of health insurance agents in the new Obamacare landscape? Here are four ways health insurance agents can - and are - survive post-Obamacare.
1. Optimize sales politics During Open Enrollment
In the new landscape of health insurance agents always have a leading role in sales of politics. However, the business plan is a little different
A major area of opportunity for individual policy sales -. Especially during the year Obamacare open enrollment period .
During open enrollment, savvy agents are prospecting individuals as well as small groups that currently do not offer health insurance. Individuals and small businesses say they want the help of counselors , open prospects for sales of individual policies on and off the market
. With the number of people who buy coverage on their own to a record high, the market opportunity is vast.
A recent report revealed that 11.7 million enrolled in a health plan Obamacare this last open enrollment period, an increase of 3.7 million a year ago.
2. Sales Leverage Policy outside the Open Enrollment
Outside of open enrollment there is potential for sales of individual policies, as well.
many small businesses be canceling their health insurance policy groups this year because of the escalating costs. When employees lose their coverage of group health insurance, they can enroll in guaranteed issue individual coverage through a special enrollment period.
As their agent, you can move employees to individual policies. If the company wants to continue to contribute to the health of employees, you can help the small business has implemented a plan meaning contribution of health "pure".
This approach helps agents retain customers canceled group and prospect new customers who need an alternative health insurance solution.
, and experts say it is not a passing fad. It is felt that 0% of companies spend on individual policies in 2020. Positioned correctly, agents benefit by helping businesses to make this transition.
See related - 5 Ways Defined Contribution helps you develop your business
3. Help Employers Navigate Obamacare
another opportunity to prosper under Obamacare is to become a reliable and competent consultant. The responsibility of employers to share costs with the new requirements of the health plan, officers are becoming a go-to consultant for the reform of the whole thing-health. As such, charge your customers for your expertise.
Becoming a health reform consultant generates additional income. And, it reinforces your role as trusted advisor leads to referrals from satisfied customers
. 4. Offer Alternative Solutions
major medical policy group based have been the bread and butter for many insurance agents, but the fate of this business model is uncertain. To survive Obamacare, agents need to diversify and propose alternative solutions.
To attract, sell and keep existing customers, provide a variety of solutions that meet their budget targets and health insurance, including group, individual, voluntary , defined contribution health plans based on accounts and private exchanges.
Conclusion
The future of health insurance agents under Obamacare seems uncertain, but given the plan and products business there is great opportunity to support and grow your business.
If you are a health insurance agent, what do you think the future holds? Leave a comment. We would like to hear from you.
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