For Active Health Agents Only-2016 Commission Estimates

[FLM2]

For those of us who actively write ACA business, what do you think will happen in 2016?

 

[YouGotMyMoney]

National carriers like H1, UHC should be fine maybe 1-2% commission pt drop depending on the state. BXTX should be okay too I think as well as Fl Blue. Coventry/Aetna should stay where they are. Cigna won't expect any changes.

 

[MedicareAgent]

Cigna and assurant is non commisionable in my area and I expect them to not even be a player. I do not see UHC doing much either but I bet they change to a flat rate commission like Aetna is.

 

[Broker22]

Carriers will continue to lower commissions and some will be non-commissionable (which has already started ). Bottom line Agent/brokers will continue to be phased out of the equation....By 2017 agents will be gone unless something major changes. If you are not already on plan B you are way behind the curve . Just my 2 cents worth. That and $4 will get you a latte at Starbucks

 

[AllenChicago]

Since the poll is about nationwide health commissions in general, I chose LOWER. That trend started in 2010 and will continue through 2016, assuming ObamaCare remains as is... dysfunctional and destructive.

 

[russelltw]

there is no way it cannot move any way but lower. One carrier in NC said 20% of their subsidized business enrolled, had procedures, then dropped coverage in 2014...20%!! How can a company survive if that's happening? I keep hearing that there is real concern that the risk corridor the Feds were promising will not be there.

 

[SamIam]

It's going to all change because the law is going down by the supremes! Mark it down! Which way it depend on how the new law will be structured.

 

[FLM2]

I appreciate the responses so far.

My only concern is whether commissions go to 0%, if they go down a little it's no big deal because premiums are going higher.

If you look at this from a commission per case basis, from 2010-2014 I averaged about 10-12% commissions on average premium of $300; now, with $650 average premiums it's a wash, it's just a matter of where they go from here as we can expect the average premium to go up 15-20% next year.

 

[YouGotMyMoney]

If you focus only on local markets I could see where you could get screwed, like in South FL if Humana went to PMPM like Coventry/Aetna, that would suck. But on the whole I think things with be fine with UHC/H1

 

[FLM2]

If you focus only on local markets I could see where you could get screwed, like in South FL if Humana went to PMPM like Coventry/Aetna, that would suck. But on the whole I think things with be fine with UHC/H1

my biz is all over Florida plus Georgia so I don't have that as an issue.

I've just accepted the PMPM model as inevitable, unfortunately. The Aetna model reduces commissions overall by about 15-20% (assuming average premium of $450 for an individual), at the end of the day I can live with that.

UHC has really pissed me off, though, with their billing issues and terminations even though they have been paid. It's only about 15% of my cases but is giving me fits right now.