Category Archives: Open Enrollment

Open Enrollment

Individual Mandate may be bigger incentive for young people to sign up

Posted on by HPA

As we near the January 31st deadline for 2016 health insurance coverage, you may be scrambling to find a few more people to send to your private exchange site, where they can sign up for coverage on or off the exchange with the help of a licensed agent. Here's an idea: focus on the penalty. People who are motivated by deadlines generally ar... (read more)

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Squeeze in a few more individual sales with these email tips

Posted on by HPA

In last week’s Washington Update, the National Association of Health Underwriters published some advice for agents about sending one last email to their database before the end of the open enrollment period. The tips were put together by CMS and are included in the free Healthcare.gov Media and Public Awareness Toolkit. Here’s the part ... (read more)

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Higher premiums don’t impact all consumers

Posted on by HPA

A recent Kaiser Health News article explains that rising premiums in the individual market don't impact all consumers in the same way. While most of us cringe at the thought of our monthly health insurance bill going up, people receiving a subsidy could actually pay less. Let us explain. As we learn in the article, HHS "reports that premium... (read more)

This entry was posted in Open Enrollment, Premiums. Bookmark the permalink.

Who wins with today’s individual plans?

Posted on by Eric Johnson

For brokers who have an HPA private exchange website, their success depends not on their ability to close a sale but rather on their ability to generate leads. That’s because their private exchange includes a toll-free number and a world-class call center staffed with licensed agents who take care of the individual sales for them. That frees... (read more)

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OPEN ENROLLMENT: How to make the second half more successful than the first

Posted on by HPA

If you sell individual health insurance, you don’t need us to tell you that this has been a difficult open enrollment period—you already know. With rising premiums, rising out-of-pockets, and shrinking networks, the products we’re trying to sell are far less appealing than they were just last year. What that means, of course, is that ... (read more)

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One more week for 1/1 effectives

Posted on by HPA

The 2016 open enrollment period isn’t yet halfway over, but brokers only have one week left to sign clients up for a January 1 effective date. After that, new enrollees will be effective February 1, and those enrolling between January 16 and January 31 will receive a March 1 start date. That’s not a lot of time, but since people have a ... (read more)

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Want to sell more health insurance? You need to get creative.

Posted on by HPA

When the ACA was passed back in 2010, brokers immediately worried that the new “navigator” program would cost them business. That doesn’t really seem to be the case, though; most brokers nowadays don’t see navigators as a threat and aren’t reporting that navigators and assisters are getting to clients before they are. Still, navig... (read more)

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White House tells brokers where they should be prospecting

Posted on by HPA

Ok, so this isn't true - the White House didn't actually say anything about brokers. But because its new "Healthy Communities Challenge" targets 20 cities with high uninsured rates, the White House has, in a roundabout way, told brokers where they should be concentrating their efforts. The press release, issued November 6th, says that "in c... (read more)

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Where’s our call from the President?

Posted on by HPA

On Wednesday, President Obama held a conference call with ACA enrollment counselors and advocates “intended to boost enthusiasm for the program amid indications that sign-ups are flat-lining” (source: BloombergBusiness). So it’s only fair to ask when the President is going to host a conference call for agents and brokers. You probabl... (read more)

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Burwell says health care consumers should shop ’til they drop

Posted on by HPA

Ok, so those weren't her exact words, but HHS Secretary Sylvia Mathews Burwell is quoted by CNBC as saying, "Our message to returning marketplace customers is simple: Shopping may save you money."  How much money? About $500 per year for similar coverage according to the article. However, as the New York Times reports, saving money may r... (read more)

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