Originally Posted by Yagents
The problem with this story is it generalizes agents as facilitators of fraud. I have some clients that were auto enrolled for 2017 that I could not get in touch with. They are still showing up on my book of business. The notice that was mailed to them from me was returned undeliverable and there cell phones had been disconnected. The companies cannot end the policy without permission from the Marketplace and with the 365 day limit on agent authorizations they will not even discuss the account with us to alert them to any potential problems with the account. I believe that a lot of the unauthorized accounts are due to the auto enrollment process. Most people do not understand it even though the agree to all of the disclaimers at the end of the application. It does not specifically say that they are giving their permission to the Marketplace to auto enroll them every year that they do not actively pick a plan for themselves.
I used a Web Broker for all plan years except the first year when it was not an option. Kept good records that show the last interaction that I had with all Marketplace clients. Those that only used the Healthcare.gov website to do enrollments may have a harder time proving when was the last time they actively enrolled their clients especially if their MIA client's application retained their NPN
each time it was auto enrolled in 2016 and 2017.
I wonder how many of the unauthorized applications were with companies that pay zero commissions where the agent chose to no longer work with the company. How many were auto enrollments attached to agents who quit the ACA?
They do not understand that most independent agents and brokers are small business owners, ethical worker who care about their clients. We are also not so desperate for business that we would commit a crime that "really does not pay" literally in most cases.