Category Archives: Sales Tips

Sales Tips

Millions of Uninsured Individuals are Subsidy Eligible

Posted on by HPA

The Kaiser Foundation has conducted a new analysis of the uninsured and found that about half of the 32.3 million Americans without health insurance are eligible for government assistance through premium tax credits, Medicaid, or CHIP. We’ve known for years that a lot of people who are eligible for free coverage under Medicaid have not si... (read more)

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

One more way private exchanges give brokers more time to sell

Posted on by HPA

For the past few years, HPA has said, again and again, that private exchanges help brokers maximize their time by letting someone else take care of the “second sale.” The first sale, of course, is convincing an employer or other organization to let you have access to their employees or members so you can talk with them about their health i... (read more)

This entry was posted in Private Exchanges, Sales Tips. Bookmark the permalink.

Final Health Care Reporting Forms for 2015 Now Available

Posted on by HPA

The Internal Revenue Service has released the final versions of two key 2015 forms and the related instructions that employers and insurers will send to the IRS and individuals this winter to report health care coverage they offered or provided.  The IRS released draft forms and instructions for 2015 this summer and the final forms and instru... (read more)

This entry was posted in Sales Tips, Taxes. Bookmark the permalink.

What do private exchanges and Christmas trees have in common?

Posted on by HPA

Go to just about any grocery store, and you’re likely to see lots of stuff for sale out in front of the store, things that really have nothing to do with groceries. Depending on the time of year, you might find patio furniture, plants, firewood, or Christmas trees. You’re also likely to see some sort of mechanical ride for kids, maybe a Re... (read more)

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Retention is high on ACA plans

Posted on by HPA

As every agent knows, the great thing about insurance is that you sell it once and get paid on it month after month. Residual commissions are the reason that most agents, at least those that continue to work rather than just sitting on their book of business, make more money every single year. Not only do you get paid on what you sell this yea... (read more)

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

More and more employees want to work part-time

Posted on by Eric Johnson

We’ve all heard the reports of companies shifting employees to part-time status in an attempt to get around the Affordable Care Act’s “employer mandate,” which requires employers with 50 or more employees to offer coverage to anyone working 30 hours or more per week or face big, non-tax-deductible penalties. Of course, there is a probl... (read more)

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New report says small companies are dropping coverage

Posted on by HPA

Well, the migration from group to individual coverage isn’t happening quite as quickly as we originally predicted, but it is definitely happening. As reported in the NAHU Newswire, a new report released by the Agency for Healthcare Research and Quality (part of the Department of Health and Human Services) and discussed in the Congressional Q... (read more)

This entry was posted in Benefits, Sales Tips. Bookmark the permalink.

Special Enrollment: The Opportunity for Agents

Posted on by HPA

When someone loses group health coverage or has a life event like marriage, birth, or adoption, they have a special enrollment opportunity in the individual market. But for brokers, there’s a different reason they’re called special enrollment opportunities – because they create a huge opportunity to sell insurance between open enrollment... (read more)

This entry was posted in Health Reform, Sales Tips. Bookmark the permalink.

How the new employer reporting requirements can help you sell lots of individual policies

Posted on by HPA

Ok, so here’s an obvious statement: for agents who specialize in group health insurance, most if not all of their clients have a group health plan. Makes sense, right? If an agent sells group health and a company doesn’t offer health insurance to its employees, that company probably isn’t a client. So why are we stating the obvious? B... (read more)

This entry was posted in Sales Tips, Taxes. Bookmark the permalink.

Is client retention bad for business?

Posted on by HPA

For some brokers, it seems that hanging on to their existing business is their number one priority. We hear it again and again: it’s less costly to keep an existing customer than it is to acquire a new one, so brokers do everything in their power to retain their current clients.  With client retention as their number one priority, these ... (read more)

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