For many brokers and agents 'insurance, market "browsers" and "assisters" may as well be four letter words. And rightly so. The newly created assisters browsers and were given a clear role in the markets, while brokers and experienced staff had to liquidate a difficult maze just to register, become certified and receive commissions with the markets. The markets did not make it easy for brokers.
And yet, since 2014, many brokers find success with non-group policy sales both inside and outside markets. So what can we learn from the success and challenges of assisters and brokers in the market?
As we prepare for the next open enrollment period, a recent survey by the Kaiser Family Foundation (KFF) outlines.
Marketplace Trends assistance company
survey provides insight into the role assisters provide and market opportunity. There are a number of different assistance provider programs that provide outreach services and market entry. assistance provider programs include Navigators and certified implementation consultants (PCA), among other programs
The results of the investigation.
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In 2015, more than 4,0 assistance provider programs served market consumers, collectively employing staff and volunteers 30,400 equivalent full time.
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assistance provider programs have helped about 5.9 million consumers this year.
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the need for in person the consumption aid remains important According to the survey, 79 percent of assistance company programs this year said most almost all consumers have asked for help because they lacked confidence to apply on their own; 82 percent of programs this year said more or almost all consumers needed help to understand their choice of plan; 74 percent of assistance provider program (this year and last year) said that most or almost all consumers needed help understanding the terms of basic insurance, such as "deductible".
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The need for the consumer is using the year . Between open enrollment periods, the assistance company return programs assisted approximately 630,000 consumers apply for coverage through special enrollment periods, 20,000 consumers report changes mid-year instead of the market and nearly 800,000 consumers resolve post-entry problems.
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the need for better information about health plan choices. Thirty-one percent of programs this year said it was often or almost always the case that consumers had Qhp questions that have not responded by the information on the market website.
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To provide better assistance to consumers, assisters say they would like additional training on tax issues (43 percent), issues related to the immigration (39 percent), health insurance related issues (39 percent) and calls (31 percent).
Health Insurance Broker Trends
Although the role of the broker was less defined than assisters, brokers continue to play a role important in terms of market entry, assistance and education plan. In fact, brokers often provide a level of expertise and depth of knowledge that assistance company programs may miss.
The results of the survey:
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The vast majority of brokers who sold the non-group coverage this year had made during the first period the open enrollment and before 2014, as well.
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most brokers (79%) sold non-group coverage inside and outside the market, but on average, brokers have helped almost double more consumers apply for coverage by the market relative to the outside.
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non-group sales increased for most brokers since markets opened in 2014. Sixty percent of brokers say they sell more coverage non-group today than they did before 2014.
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most brokers reported that it takes longer to sell a non-political group and income they earn less by politics; but 40 percent earn more overall income of non-group commissions before they did for the implementation of the market and another 20 percent said their overall income from non-commission group is about the same.
Source - KFF
Conclusion
recent survey of KFF Brokers and assisters in health insurance markets reflects both the need for professionals in the health insurance to help consumers, and the opportunity for dealers to increase sales of non-political group.
as professional health insurance, what trends or opportunities you see in the market for the period 2016 open enrollment? Join the conversation with a comment below.
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