🖋️ From Pennies to Power: Why I’m Leaving Insurance Burnout Behind and Building My Own Empire

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🖋️ From Pennies to Power: Why I’m Leaving Insurance Burnout Behind and Building My Own Empire

By Audrey Childers | The Hypothyroidism Chick | Future Mobile Notary & P&C Pro

Let’s be real—I’m tired.
Tired of making other people rich while I work for pennies on the dollar.
Tired of being micromanaged, underpaid, and overworked.
Tired of building someone else’s dream while mine sits in the corner, barely breathing.

So, I’m done.
And here’s why: the May 16th ACA Marketplace rule changes are the final push I needed to take full control of my future.

🔁 What’s Changing in the Health Insurance World?

The Centers for Medicare & Medicaid Services (CMS) is rolling out stricter regulations that will affect every agent still tied to the Marketplace. While I’ve been helping clients for years, the new rules aren’t about supporting agents—they’re about surveilling us.

Major ACA Changes Coming May 16, 2025:

  1. Recorded Consent is Now Mandatory
    • Before you can even help a client, you must record a script-based verbal consent.
    • This consent must be saved for 10 years. (Yes, ten.)
  2. You Must Present All Plans
    • No more recommending a solid fit—agents are now forced to go through every option, even if it’s not ideal for the client.
    • This extends the call, invites confusion, and increases the risk of compliance violations.
  3. Call Recording Requirements
    • Every call must be recorded and stored. This includes follow-ups, service calls, and casual check-ins.
  4. Commission Oversight
    • CMS will be auditing agents’ commissions and plan structures to look for “unfair advantages.”
    • That means if you earn more on one plan, expect extra scrutiny.
  5. Shifting Focus to Life Insurance & Catastrophic Plans
    • Many companies are now pushing life insurance and high-deductible catastrophic plans to boost profits—not because they help families, but because they increase commission structures.

Here’s the truth:
If you’re only licensed for Health, these changes mean more work, more stress, and no extra pay.

🛑 So I’m Taking the Exit Ramp—and Building My Own Lane

I’ve already enrolled in my Property & Casualty (P&C) license class and my Notary class, which ends June 18th. I plan to become a Mobile Notary & Loan Signing Agent, working on my own terms, setting my own schedule, and charging what I’m worth.

No more selling my soul for $20/hour.
No more compliance headaches over consent recordings.
No more praying a supervisor lets me take a bathroom break.

🔑 Why Notary Work + P&C Is My New Game Plan

✅ Property & Casualty License:

  • Opens the door to auto, homeowners, renters, and business insurance
  • Helps diversify my services beyond ACA
  • Offers real income growth with independent or agency paths

✅ Mobile Notary + Loan Signing Agent:

  • Earn $75–$200 per signing
  • Serve hospitals, jails, law offices, and real estate closings
  • Charge travel, time, and printing fees (beyond the state-mandated $10 notarization fee)
  • Flexible. Mobile. Lucrative.

💼 I’m Launching My Own Notary Business

My dream business name? Southern Signature Co.™
It reflects who I am—Southern strength sealed with precision.
I’m not just creating a job. I’m building a legacy. One that I own. One that no algorithm or policy change can take away.

📚 Resources & References:

⚠️ Disclaimer:

This blog reflects my personal experience and career shift. It is not intended to replace legal, tax, or professional licensing advice. Always consult with state licensing boards and regulatory agencies before making business decisions.

✨ About the Author

Audrey Childers is a multi-licensed professional, writer, and founder of The Hypothyroidism Chick. She’s built a career empowering others to heal, hustle, and break free from burnout. With years of experience in ACA health insurance, she’s now reclaiming her independence through Property & Casualty licensing and mobile notary work—proving it’s never too late to rewrite your story.

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