There was a time when ACA agents were warriors — waking up every morning to navigate broken leads, stubborn technology, and clients who thought “Obamacare” meant free cash. I was one of them.

And now?
After years of defending the integrity of the ACA, I might be let go this week — not because I don’t care, not because I didn’t study, but because I couldn’t magically turn disconnected phone numbers into commissions.

I’m dialing their book of business. People hang up. Don’t answer. Or they’ve already been burned by agents before. But management doesn’t want to hear that. They want sales. No excuses.

To add insult to injury?
This week, they finally updated the automated voice system to say:

“Your subsidy pays for your health insurance and is not money given to you.”

Oh really?
We only needed that three years ago, when desperate clients were calling demanding money because some rogue agent promised them a check. That lie spread like wildfire. It poisoned the system. And now honest agents like me are being burned alive for what shady agents started.

Fast-forward to now —
It’s 2025, and new regulations are being stacked high. More coming in 2026. And while the system gets tighter on paper, the scammers are getting smarter. They’ll just:

• Shift to new platforms
• Use fake enrollments
• Exploit language barriers
• Launder applications through shady “marketing firms” disguised as agent groups

Meanwhile, the real ones — the ones who stayed through the chaos — are being cut loose.

We’ve become disposable.
Not because we lack skill.
But because we won’t sell our soul for a quota.

---

🧠 Keywords:

ACA agent crackdown, honest health insurance agents, ACA fraud, marketplace enrollment 2025, Printful for authors, Freckled Oracle, The Freckled Oracle t-shirts, freelance income for women, how to survive being laid off, toxic insurance job

---

👤 About the Author:

Audrey Childers, writing as A.L. Childers, is an ACA-licensed health insurance agent turned full-time truth-teller. With over 200 books published, she’s building a creative empire fueled by fire, freckles, and the freedom to never be silenced again. She’s the voice for the ones who got burned but still showed up. And when she glows, egos burn.

The Freckled Oracle™

Author + Truth Teller @TheFreckledOracle™

“Designed by The Freckled Oracle™ — Truth, Wit & Wearable Wisdom”

The Freckled Oracle™ is a protected brand identity representing the creative works and commercial goods of A.L. Childers. All designs, content, and products are original and not to be copied, reproduced, or resold without express permission.