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You know there darker side of my personality, say screw the clients they voted this all in - it's what they all wanted ! " No Pre-Ex" .
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You must be old.
I knew a bunch of guys in Nashville that worked for BFAW (later Corroon and Black) that sold bibles door to door.
Please explain how your landscape has changed & what the current status. I feel for you all big time
My two largest carriers have either already terminated or are in the process of terminating all grandfathered plans, so it is ACA-compliant only for me basically, and two of the biggest carriers have cut commissions to literally nothing for new business.
I am transitioning into the murky waters of medicare to try to earn some coin before this all goes away, no longer going to do any advertising or marketing for U65. Health agents are going the way of the door-to-door encyclopedia salesman...
A lot of my clients didn't realize that they could continue to buy through an independent agent and went directly to the HIX.
MLR gives the insurance companies a perverse incentive to encourage us to get sicker and sicker since the more claims filed, the more they can charge
Didn't mention this before, but I am missing your logic.
Premiums always go up when claims increase. How are the carriers "encouraging" more claims?