Tag Archives: #aca

Dear Agencies: $20 an Hour for a Licensed Health Insurance Agent? That’s Not a Job Offer—It’s an Insult.

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Dear Agencies: $20 an Hour for a Licensed Health Insurance Agent? That’s Not a Job Offer—It’s an Insult.

If you’re a health insurance agent—or you know one—you’ve probably seen the job postings: “Health Insurance Agent Needed! Must be licensed, have sales experience, be a self-starter, and ready to change lives. Pay: $20/hour.”

And just like that, every licensed agent’s eyes roll so hard they can practically see their own student loan balances.

Let’s be honest: $20 an hour for a role that requires government licensing, annual continuing education, complex compliance rules, and daily interaction with clients who are often stressed, anxious, or struggling? That’s not competitive. That’s not even respectable. It’s a slap in the face to an entire profession.

Why Is This Happening?

It’s the same story as in many industries: agencies want expertise, accountability, and results—without offering the pay those things deserve.

Let’s break it down:

  • You want a licensed agent? That’s a minimum of 40+ hours of state-approved coursework, exam fees, and annual continuing ed.
  • You want sales and customer service experience? That’s years of honing communication, persuasion, and resilience in one of the toughest markets in America.
  • You want agents who understand CMS, HIPAA, E&O insurance, state and federal regulations, and can handle high-stress Open Enrollment chaos without missing a beat?
  • And you want them to bring in clients, cross-sell, upsell, and handle objections like pros?

All for $20 an hour?

What Agents Are Saying

The sentiment online is clear. Here’s what real health insurance agents, and professionals in similar industries, are saying:

  • “I spent months and hundreds of dollars to get licensed, and now you want to pay me the same as a fast-food shift manager?”
  • “I’m responsible for compliance, client data, and regulatory paperwork that can result in thousands in fines if I slip up, but you’re offering what—a few dollars over minimum wage?”
  • “Try living on $20 an hour in today’s economy, paying your own health insurance, E&O, and office expenses.”
  • “You want the heart of a teacher, the hustle of a salesperson, the patience of a therapist, and the risk of a business owner, all for less than what the grocery store is offering stockers right now?”
  • “I can make more as a remote call center rep—with zero licensing, zero risk, and zero stress.”

And the comparison to other industries is just as stark:

  • Costco and Amazon warehouse associates routinely start at $18-$24/hour plus benefits.
  • According to Bureau of Labor Statistics, the median hourly wage for insurance sales agents is $27.49 as of 2023—and that includes many agents earning commissions on top.
  • Fast food and retail roles are now offering $17-$20/hour with less risk and almost no licensing required.

The Real Cost of Low Wages

When agencies offer insultingly low wages, here’s what really happens:

  • Experienced agents walk. They find better pay elsewhere—or leave the industry entirely.
  • Clients suffer. High turnover means less knowledgeable agents, dropped balls, and poor service.
  • Your agency’s reputation tanks. You become known as the place that undervalues talent.
  • Newcomers get discouraged. Why spend time and money on licensing if the pay is barely above minimum wage?

The Truth About the Job

Health insurance agents aren’t just salespeople. They’re educators, advocates, problem-solvers, and, sometimes, literal lifesavers. They help families navigate the confusing world of premiums, networks, government subsidies, tax credits, and critical care coverage. They’re the ones people call in a crisis—when they’ve lost a job, gotten a scary diagnosis, or need to fight for a claim.

That level of expertise should be valued and compensated accordingly.

What Should Agencies Do?

  • Pay competitively. If you want great agents, offer at least the industry median—or more if you want to attract and retain top talent.
  • Stop lowballing. $20 an hour is not enough for a role that can change a client’s life.
  • Recognize the value of licensing and expertise. It’s not just a box to check. It’s years of commitment and knowledge.
  • Provide pathways to growth, not just a stagnant hourly wage. Offer commission, bonuses, and real career opportunities.

Resources & References

Bottom Line: If you want to pay $20 an hour, be prepared for high turnover, unhappy clients, and missed opportunities. But if you want real results, loyalty, and expert service—pay your agents what they’re worth.

Because health insurance is too important for anything less.

Want more honest talk about the real world of insurance and business? Visit TheHypothyroidismChick.com or check out books by A.L. Childers for insider tips, hard truths, and stories that matter.

Navigating Uncertainty as a Licensed Health Insurance Agent: Insights and Opportunities

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Navigating Uncertainty as a Licensed Health Insurance Agent: Insights and Opportunities
By Audrey Childers

As a licensed health insurance agent, I’ve dedicated my career to helping individuals and families navigate the complexities of health insurance. Whether it’s Medicare, Medicaid, or Affordable Care Act (ACA) plans, my mission is to provide clarity and support in an ever-changing landscape. However, recent changes to healthcare funding and policy have left many agents and clients wondering what lies ahead. Here’s what you need to know and how we can move forward together.

The Current Landscape: Medicare, Medicaid, and ACA

Healthcare in the U.S. is undergoing significant shifts:

  • Medicare and Medicaid Cuts: Proposed budget reductions could impact access to healthcare for low-income and rural populations. These cuts may also strain providers, leading to fewer options for care.
  • Affordable Care Act (ACA) Funding Changes: Federal decisions about ACA subsidies and Medicaid expansion could lead to increased premiums and out-of-pocket costs, making it harder for many to afford coverage.

These changes create uncertainty for both agents and clients, but they also present opportunities to explore alternative solutions and broaden our expertise.

How These Changes Affect Clients and Agents

  • For Clients: Rising healthcare costs and reduced funding for subsidies mean many may lose access to affordable coverage. Low-income families and individuals are at the highest risk of being left without options.
  • For Agents: As an ACA agent, my role becomes more challenging as I work to identify affordable solutions for my clients in a shrinking market. I remain committed to staying informed and offering personalized guidance.

How I’m Preparing for the Future

In light of these changes, I’ve taken proactive steps to ensure I can continue to serve my clients effectively while securing my own financial future:

  1. Expanding Expertise: To better serve clients, I’m pursuing certifications in additional areas of insurance, including:
    • Medicare Advantage and Supplement Plans: These provide stable demand and renewal commissions.
    • Life and Final Expense Insurance: High demand and cross-selling opportunities make these excellent additions to my portfolio.
  2. Staying Updated: I keep a close eye on federal and state healthcare policy changes to ensure I provide the most current advice and options.
  3. Building Relationships: Strong client relationships are the backbone of my business. I focus on retention and renewals to maximize benefits for both clients and my practice.

Why Diversification Matters

For agents, relying solely on ACA enrollments is no longer sustainable. Diversifying into other insurance areas not only stabilizes income but also allows us to offer comprehensive solutions for our clients’ needs. Here are the areas I recommend for fellow agents looking to expand:

  • Medicare Plans: With an aging population, this market is growing and offers predictable work schedules.
  • Life Insurance: High commissions and flexible hours make this a great choice for agents balancing work and family life.
  • Property and Casualty Insurance: While more demanding during peak times, this field offers steady income opportunities.

How I Can Help You

Whether you’re looking for an ACA plan, Medicare coverage, or exploring other insurance options, I’m here to guide you through the process. My goal is to ensure you understand your choices and find a plan that meets your needs and budget.

📞 Contact me today at 888-835-8730 ext. 34113 for personalized assistance. Together, we’ll navigate these challenges and find solutions that work for you and your family.

A Message to My Fellow Agents

If you’re an agent feeling the pressure of these uncertain times, remember that adaptation is key. Pursuing additional certifications and diversifying your portfolio can open doors to new opportunities and a more stable future. Let’s continue to support our clients and each other as we navigate the evolving world of health insurance.

Looking Ahead

The healthcare industry is changing, but with change comes opportunity. By staying informed, adapting to new challenges, and focusing on what truly matters—helping our clients—we can thrive in this industry.

Let’s connect and make a difference together!
📞 Contact: 888-835-8730 ext. 34113

Thank you for trusting me to guide you through your healthcare journey. Together, we’ll create a brighter, healthier future.

Disclaimer

The information provided in this blog is for general informational purposes only and is based on the personal and professional opinions of Audrey Childers, a licensed health insurance agent. While every effort has been made to ensure the accuracy and reliability of the information presented, it is not intended as legal, financial, or professional advice.

Health insurance policies, regulations, and guidelines are subject to change and vary by state and federal law. Readers are encouraged to consult with a qualified insurance professional or healthcare provider for advice tailored to their specific situation.

Audrey Childers and associated parties are not responsible for any actions taken based on the information in this blog. All inquiries regarding insurance policies or personal healthcare should be directed to the appropriate licensed professionals.

For personalized guidance or questions, please contact Audrey Childers directly at 888-835-8730 ext. 34113.

Why You Should Hire Me: A Creative Powerhouse with Unmatched Experience

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Let’s cut straight to the chase: If you’re looking for someone extraordinary, someone who doesn’t just deliver but redefines the meaning of creativity, you’ve found your match. I’m not just a writer—I’m an idea generator, a storyteller, and a results-driven powerhouse. From writing over 200 books to winning the lottery multiple times (yes, really), I’m the person you need to take your content, media, or blog strategy to the next level.

1. A Writer Who Delivers Beyond Expectations

I’ve authored over 200 books spanning topics from health and wellness to history and spirituality. My ability to dive deep into diverse subjects while keeping readers engaged is unparalleled.

  • Examples of My Work:
    • Archons: Unveiling the Parasitic Entities Shaping Human Thoughts – A deep dive into metaphysical realms.
    • The Hidden Empire: A Journey Through Millennia of Oligarchic Rule – Historical analysis with a modern twist.
    • Hashimoto’s Crockpot Recipes: How I Put My Hashimoto’s Into Remission – Merging health expertise with practical guidance.

Why It Matters: I don’t just write—I research, analyze, and create content that resonates with audiences, building trust and engagement.

2. A Lottery of Creativity: Literally and Figuratively

Here’s where it gets fun: I’ve won the lottery multiple times. No, I’m not a secret millionaire (I wish!), but I’ve nailed those smaller wins that most people only dream about.

  • How Did I Do It?
    • Pattern recognition, meticulous research, and a sprinkle of intuition. (It’s a strategy, not luck!)
    • The same skills that brought me success here—attention to detail, problem-solving, and persistence—are what make me an extraordinary content creator.

What This Says About Me: I don’t believe in “impossible.” Whether it’s cracking the code for better lottery odds or creating viral content, I excel at finding patterns, crafting strategies, and delivering results.

3. Media and Blogging Expertise That Stands Out

As someone who has written blogs that range from thought-provoking social commentary to practical “how-tos,” I know what it takes to create content that resonates.

  • My Strengths:
    • Versatility: I can write in any tone—humorous, professional, heartwarming, or edgy.
    • Engagement: I’ve written blogs that have sparked conversations, gone viral, and built audiences.
    • SEO Expertise: I understand how to make content visible and relevant in a crowded digital space.

Example Blog Topics I’ve Tackled:

  • Why the Hidden Patterns in Our Lives Matter
  • The Power of Creative Thinking: How to Build a Life You Love
  • What Winning the Lottery Taught Me About Life and Work

4. A Media Mind That Goes the Extra Mile

If you’re in the media industry, you’re looking for someone who can not only create but elevate your brand. That’s me.

  • What I Bring:
    • Content Development: I generate ideas that align with your vision and audience.
    • Social Media Savvy: I know how to create content that thrives on platforms like TikTok, Instagram, and LinkedIn.
    • Storytelling: Whether it’s a blog post, a video script, or a press release, I craft narratives that stick.

5. Why You Can’t Afford Not to Hire Me

I’m not just another writer or media professional—I’m a game-changer. Here’s why:

  • Relentless Curiosity: I dive deep into topics, ensuring content is well-researched and impactful.
  • Track Record of Success: From books to blogs, I have a proven ability to deliver.
  • Creative Problem-Solving: Whether it’s finding innovative angles or fixing broken strategies, I thrive on challenges.
  • Authenticity: I bring my whole self to every project—because that’s how great work happens.

6. A Call to Action (With a Dash of Fun)

Let’s not waste another second. If you’re looking for someone who combines creativity, determination, and just a little bit of lottery-winning magic, I’m your person. Let’s collaborate, create, and make extraordinary things happen.

Reach out to me at [Your Email] or connect with me on [Your LinkedIn Profile]. Let’s make your next project unforgettable.

Disclaimer

This blog reflects my genuine experience, skills, and achievements. While some anecdotes (like winning the lottery) may sound unusual, they highlight my unique approach to problem-solving and creativity.

About Me

Audrey Childers, writing as A.L. Childers, is an accomplished author, content creator, and strategist. With over 200 published books and countless blogs, Audrey’s work inspires, educates, and entertains audiences around the world. Her unique ability to weave narratives, find innovative solutions, and engage readers makes her a standout in the competitive world of media and content creation.

Explore My Work:

Let’s Connect: Visit me at TheHypothyroidismChick.com or find me on LinkedIn to discuss how I can elevate your content and media strategies.

References and Sources

  1. Forbes, “Why Creativity Is the Most Important Skill in Today’s Job Market,” 2023.
  2. HuffPost, “How to Create Viral Blog Content,” 2023.
  3. LinkedIn Career Tips, “The Power of Storytelling in Media and Marketing,” 2023.

Let me know if you’d like further refinements or additional examples!

What Do You Mean You Already Renewed Your Health Insurance?! Let’s Talk Before It’s Too Late!

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Hey, Pick Up the Damn Phone!

Look, I get it. You’re tired of the calls, the emails, the texts. “Is this spam?” you wonder as your phone rings for the third time today. But I’m here to tell you—I am NOT spam. I am your health insurance agent. The one you trusted last year. Remember? The one who knows your security code, your Social Security number (because YOU gave it to me), and who works tirelessly to make sure you don’t end up in a shitty plan.

So, let me ask you this: Why the hell are you ignoring my calls?

The Truth About Renewing Health Insurance

Here’s the deal. Health insurance isn’t like renewing your Netflix subscription. Things change—plans change, carriers pull out of counties, and sometimes that auto-renewed plan you thought was “fine” last year suddenly costs a premium or doesn’t cover squat anymore.

And guess what? That’s not my fault. That’s the carrier’s fault.

I’m just the messenger here. My job is to review your plan, ensure it still works for you, and—if it doesn’t—find you something better. But I can’t do that if you don’t answer my calls!

“I Don’t Remember Talking to Anyone” – Really?!

Let’s address the elephant in the room: Why do you act like you have amnesia every time I call?

  • “I don’t remember speaking with anyone.” Oh, really? Then how do I have your Social Security number, date of birth, and address? Did I just psychically pull that out of thin air?
  • “I already renewed my plan.” Great. With who? And did they bother to check if your carrier left the county? Did they tell you the premium went up? No? That’s what I thought.

I know there are scammers out there—I hate them as much as you do. That’s why I gave you my security code, my direct number, and my name (Audrey). I work hard to keep my license and complete continuing education credits every two years. I’m legit, and I’m here to help YOU.

Why Health Insurance Deserves Your Attention

Let’s be honest—you wouldn’t let your car insurance lapse or your home insurance go unchecked. So why treat your health insurance like an afterthought?

  • Health insurance is your safety net. It’s not just paperwork; it’s what protects you and your family when life throws you a curveball.
  • Time is running out. January 15th is the final deadline for ACA (Affordable Care Act) Marketplace enrollments. After that, you’re stuck with whatever plan you’ve got—or worse, no plan at all.

Real-Life Horror Stories: Don’t Let This Be You

  1. The “I Already Renewed” Guy
    John was convinced he’d renewed his plan with another agency. Turns out, they placed him in a high-cost plan with a $10,000 deductible. When he got his first bill, he called me in a panic. But by then, it was too late.
  2. The “I Thought My Plan Was the Same” Lady
    Linda ignored my calls because she thought her auto-renewed plan was fine. Surprise! Her carrier had pulled out of her county, and she was left with zero coverage starting January 1st. She spent months paying out-of-pocket for everything.

Why You Should Call Me Right Now

If you have Marketplace insurance (ACA), stop playing hard to get and call me at 888-835-8730. Let’s review your plan together to ensure:

  1. You’re not overpaying.
  2. You’re not under-covered.
  3. You’re in the BEST plan for you and your family.
  4. ASK FOR ME…… AUDREY CHILDERS only….. I will call you back. I promise.

I know the phone calls are annoying. I get 100 spam calls a day, too. But this isn’t about spam—this is about your health and your wallet.

Final Words: Stop Being a Dumbass

Look, I don’t like seeing anyone get screwed. But if you don’t answer your phone or call me back, there’s only so much I can do. When you get that bill or realize your plan sucks, you’re going to ask, “Why didn’t anyone warn me?” Well, guess what? I tried!

So, here’s the game plan:

  • Stop ghosting me.
  • Stop treating health insurance like it’s a second-rate priority.
  • Start acting like the grown-up I know you are and let me help you.

Time is running out. January 15th is right around the corner. Call me—Audrey—at 888-835-8730. Let’s get this done so you can start 2025 with peace of mind and no regrets.

Thank you. Now, go be an adult and answer your damn phone. 😊

Coverage Kings, Compensation Paupers: The Wage Woes of Insurance Agents By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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Insurance agents are often the unsung heroes of the healthcare system. We help families secure vital coverage, navigate labyrinthine regulations, and ensure compliance with federal laws. Without us, the Affordable Care Act (ACA) would be a tangle of red tape inaccessible to most. But while we are the “Coverage Kings” helping others achieve financial protection and peace of mind, our paychecks tell a very different story.

Yes, I’m a world-renowned author—but fame doesn’t always pay the bills. That’s why I became an ACA health insurance agent. I believed I could make a difference while earning a steady income. Instead, I’ve discovered a shocking truth: while companies rake in billions from ACA policies, their agents are left struggling to make ends meet.

The Duality of the Insurance Agent’s Role

Being an ACA agent isn’t just about selling policies. It’s about being a teacher, a guide, and often a therapist to people in need. We answer endless questions, calm anxieties, and tailor plans to suit every budget. Yet, when it comes to compensation, we are treated like afterthoughts.

A Sobering Reality Check

  • Companies earn thousands of dollars per policy over its lifespan, thanks to subsidies and premiums.
  • Agents, by contrast, are paid $10–$20 per policy written or an hourly wage of $15–$20, barely above minimum wage in many areas.
  • Some agents, like me, are required to pay $50 per week out of pocket for multi-state licenses—a necessity for selling plans in multiple states.

For example, I recently worked a 40-hour week, helping countless clients secure life-changing coverage, only to earn $600 before taxes. That’s $15/hour while the company profits exponentially from my work.

The Hidden Costs of the Job

The challenges of being an ACA agent extend far beyond low wages.

  1. Licensing Fees
    To legally sell policies, agents must be licensed in every state where their company operates. These fees aren’t covered by the company, leaving agents to shoulder the cost.
  2. Continuing Education
    Staying compliant with federal and state regulations requires ongoing education, which agents must pay for themselves.
  3. Unpaid Training
    Many companies require agents to complete additional certifications and tests on their own time. Recently, I was threatened with a write-up for not completing a 3-hour training module after work hours.
  4. Legal Liability
    Agents face potential lawsuits or fines if clients dispute their enrollment or claim they were misinformed. Without recorded calls, we would have no protection.

The Clients We Serve (and Sometimes Fight)

Helping clients can be incredibly rewarding, but it also comes with its frustrations. Imagine spending an hour helping someone choose the perfect zero-dollar premium plan, ensuring compliance, and answering every question, only for them to later claim they never spoke to you.

How does this happen? It doesn’t. Clients don’t forget these conversations—they lie to dodge penalties or shift blame. While recorded calls help defend agents, the stress and time wasted on these disputes are a heavy burden.

Corporate Greed at Its Finest

The healthcare industry is one of the most profitable sectors in the U.S. In 2022, the top health insurance companies collectively reported over $45 billion in profits.

Where does this money go? Not to the agents doing the heavy lifting. Instead, it goes to shareholders, executives, and marketing campaigns. Meanwhile, agents are left struggling to cover their basic expenses.

What Needs to Change

The disparity between what agents earn and the value they bring to the system is unacceptable. Here’s how we can start to fix it:

  1. Fair Compensation
    Agents should earn at least $50 per policy written, reflecting the time, expertise, and effort required.
  2. Employer-Funded Licensing and Training
    If companies require multi-state licenses and certifications, they should cover these costs.
  3. Transparent Profit Sharing
    Companies should be upfront about their profits and allocate a fair share to the agents who make their success possible.
  4. Legal and Compliance Protections
    Employers must provide robust protections for agents against frivolous client disputes and potential legal action.

A Personal Plea

As both a writer and an ACA agent, I’ve seen the best and worst of human nature. I’ve helped families avoid financial ruin, and I’ve fought to defend myself against baseless accusations. What keeps me going is the belief that what I do matters—that helping others is worth the struggle.

But the struggle shouldn’t be this hard. Companies that profit from our work need to recognize our value. We are not just cogs in their machine; we are the heart of their success.

References

  1. “The Affordable Care Act and Its Economic Impact on Agents” (Journal of Health Policy, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Wages Overview (BLS.gov)
  3. Corporate Profits in the Health Insurance Industry (Health Economics Today, 2022)

Final Thoughts

The Affordable Care Act was built on principles of equity and access. It’s time for those principles to extend to the agents who make it all possible. We deserve fair pay, respect, and recognition for the essential work we do.

To my fellow agents: you are not alone in this fight. To the companies profiting from our labor: it’s time to share the wealth. Because at the end of the day, no one should have to choose between making a living and making a difference.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

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Insured but Impoverished: The Hidden Plight of Health Plan Agents By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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We live in a world where health insurance is a lifeline for millions, a necessity that safeguards families from financial ruin in the face of illness or injury. As ACA (Affordable Care Act) agents, we are at the forefront of this mission, ensuring that people get the coverage they need to survive. But behind the scenes, the story isn’t as rosy. The very people who ensure coverage for others are often struggling to make ends meet themselves.

Yes, I’m a world-renowned author, but let’s be honest—writing books doesn’t always keep the lights on. That’s why I turned to being an ACA agent, a role I believed would allow me to help people while earning a stable income. Instead, I found myself caught in a system that undervalues its most critical players.

The Reality of Being an ACA Agent

Every day, ACA agents work tirelessly to connect individuals and families to affordable healthcare plans. We navigate complex systems, explain intricate details, and offer guidance with compassion and patience. Yet, the irony is glaring: while we ensure others have the protection they need, many of us lack financial security ourselves.

The Numbers Don’t Lie

  • Companies earn thousands of dollars per policy over its lifespan, thanks to federal subsidies and premiums.
  • Agents, on the other hand, often earn as little as $10 per policy written or an hourly wage of $15–$20.
  • Some agents, like myself, are also required to pay $50 a week to maintain multi-state licenses—an expense that adds up to over $2,500 annually.

Last week, after 40 hours of work and dozens of policies written, I earned $600. That’s $15/hour before taxes. Meanwhile, my employer profited exponentially more from the very policies I worked to secure.

The Hidden Costs of Being an Agent

The financial burden isn’t limited to low wages. There are numerous hidden costs that come with this profession:

  1. Licensing Fees
    Agents must be licensed in every state where their employer operates. These fees aren’t covered by the company, leaving agents to foot the bill.
  2. Continuing Education
    Staying compliant requires ongoing education, which agents must pay for out of their own pockets.
  3. Unpaid Training
    Companies often require additional certifications or tests, which agents are expected to complete on their own time and without compensation. Recently, I was threatened with disciplinary action for not completing a 3-hour training module after hours.
  4. Legal and Compliance Risks
    Agents face legal liability if a client disputes their enrollment or coverage details. While recorded calls help protect us, the stress of navigating these disputes is immense.

The Human Toll: When Clients “Forget”

One of the most frustrating parts of this job is dealing with clients who “forget” entire conversations. Imagine spending an hour walking someone through their options, securing a zero-dollar premium plan, and ensuring compliance, only to have them call back weeks later claiming they never spoke to you.

How does one forget such a critical conversation? They don’t. Many are simply trying to dodge a penalty or shift blame. And while recordings provide some protection, they can’t erase the frustration and time wasted on these cases.

The Bigger Picture: Corporate Greed

The healthcare industry is a billion-dollar behemoth. In 2022 alone, the top health insurance companies reported over $45 billion in profits. Yet, the agents who drive these profits are left struggling.

Instead of investing in their workforce, companies prioritize shareholder returns, leaving agents to bear the brunt of financial insecurity. The result? A profession that demands high stakes, high stress, and high standards while offering low pay.

What Needs to Change

The current system is unsustainable. Here are a few changes that could make a significant difference:

  1. Fair Compensation
    Agents deserve a livable wage and reasonable commissions. A flat fee of at least $50 per policy would reflect the value we provide.
  2. Employer-Funded Licensing and Training
    If multi-state licenses and certifications are mandatory, companies should cover these expenses.
  3. Legal Protections for Agents
    Employers should offer robust protections to shield agents from frivolous client disputes.
  4. Transparent Profit Sharing
    Companies should be more transparent about how profits are distributed and allocate a fair share to the agents driving their success.

A Personal Perspective

Being an ACA agent is a labor of love. We enter this field because we care about helping people, ensuring families have the coverage they need to live healthy lives. But love doesn’t pay the bills, and the emotional and financial toll of this job is pushing many agents to the breaking point.

As someone who has written books that have reached readers worldwide, I’ve learned the value of storytelling. And this story—the hidden plight of health plan agents—is one that needs to be told.

References

  1. “The Affordable Care Act and Its Economic Impact on Agents” (Journal of Health Policy, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Earnings Overview (BLS.gov)
  3. Corporate Profits in the Health Insurance Industry (Health Economics Today, 2022)

Final Thoughts

The ACA was built on the promise of equity and access, but those ideals must extend to the agents who make it all possible. We deserve fair pay, respect, and recognition for the essential work we do. Until then, we’ll continue to fight for our clients—and for ourselves.

Because no one should have to choose between making a living and making a difference.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

Our full disclosure, terms of use, and privacy policy. | thehypothyroidismchick

Premiums & Pennies: The Irony of Insurance Agents’ Earnings By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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There’s a cruel irony at the heart of America’s healthcare system: the billions of dollars generated from health insurance premiums and the pennies—relatively speaking—earned by the agents who make it all happen. As an ACA health insurance agent and a world-renowned author, I know this story all too well. While my books have reached global audiences, they don’t always pay the bills, and neither does being an insurance agent.

Why? Because corporate greed continues to undervalue the very people who connect individuals and families to the life-saving coverage they need.

The Reality of Being an ACA Insurance Agent

ACA health insurance agents are the unsung heroes of the Affordable Care Act. We work tirelessly to ensure that families and individuals can navigate a complex system and secure the coverage they need. But what do we get in return? Wages and commissions that often leave us struggling to make ends meet.

Breaking Down the Numbers

  • Insurance companies rake in billions of dollars annually from ACA policies, thanks to government subsidies and premiums.
  • Agents, on the other hand, are often paid a meager $10–$20 per policy or an hourly wage of $15–$20.
  • Some companies offer as little as $2.50 per policy, a shocking disparity when compared to the profits these companies generate.

For example, in a recent week, I worked 40 hours and earned $600. That’s $15 an hour—before taxes. Meanwhile, my employer likely profited exponentially more from the policies I wrote.

The Hidden Costs of the Job

Being an insurance agent isn’t just a job; it’s an investment—one that often comes with more costs than rewards:

  1. Licensing Fees
    To work as an agent, we need to be licensed in every state where we sell policies. This isn’t optional—it’s required by law. The cost? Hundreds, sometimes thousands, of dollars annually, which comes directly out of our pockets.
  2. Continuing Education
    We’re required to take regular courses to maintain our licenses. While this ensures we stay informed, it’s another expense that employers rarely reimburse.
  3. Unpaid Work
    Many agents are expected to complete training and certifications on their own time, without compensation. Recently, I was threatened with disciplinary action for not completing a 3-hour general agent (GA) test outside of work hours.
  4. Legal Liability
    We operate in a high-stakes environment where mistakes—or even misunderstandings—can result in lawsuits or fines. Clients may “forget” entire conversations about their coverage, leaving agents to defend themselves.

The Client Conundrum

Let me share a story many agents can relate to. A client calls, desperate for health insurance. You spend an hour carefully walking them through their options, ensuring compliance, and securing a zero-dollar premium plan. A month later, they call back claiming they’ve never spoken to you.

How does someone forget an entire conversation about their health insurance? The truth is, they don’t. Whether it’s an attempt to dodge a penalty or shift blame, agents are often left cleaning up the mess. Thankfully, we have recorded calls, but it’s a stressful reminder of the risks we face daily.

The Bigger Picture: Corporate Greed

Let’s address the elephant in the room: the insurance industry is one of the most profitable sectors in the world. According to a 2022 report, the top health insurance companies collectively earned over $45 billion in profits.

Yet, the agents who form the backbone of their success are left to fight for scraps. Companies prioritize shareholder profits over fair compensation for their workforce. The result? Agents who are overworked, underpaid, and undervalued.

What Needs to Change

It’s time for a reckoning. Here’s how we can start to address this imbalance:

  1. Fair Compensation
    Agents should receive a livable wage and a meaningful commission—at least $50 per policy—to reflect the value we bring to the table.
  2. Paid Training and Licensing
    If companies require specific licenses and training, they should cover the costs.
  3. Transparency
    The public deserves to know how much companies profit from ACA policies and how little they pay the agents who make it all possible.
  4. Legal Protections for Agents
    Agents should have safeguards in place to protect them from frivolous client allegations.

A Personal Plea

As both a writer and an ACA agent, I’ve experienced firsthand the disparity between effort and reward. Writing books has been my passion, but the reality is that it doesn’t always pay the bills. I turned to insurance to make a difference, but instead, I found myself caught in a system that values profit over people.

To my fellow agents: Keep fighting for what’s right. You’re not alone in this struggle.
To the companies: It’s time to invest in the people who make your success possible.
And to the public: Remember the faces behind your policies. We’re here for you, even when the system isn’t here for us.

References

  1. Health Insurance Industry Profits: A Deep Dive (Journal of Health Economics, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Wages (BLS.gov)
  3. “The Affordable Care Act and Its Economic Impact on Agents” (Industry White Paper, 2022)

Final Thoughts

The Affordable Care Act was built on principles of equity and access. But until the system values its agents as much as it values its profits, we’ll remain stuck in this ironic cycle of premiums and pennies. It’s time for change—because no one should have to choose between making a living and making a difference.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

Our full disclosure, terms of use, and privacy policy. | thehypothyroidismchick

Policy Paupers: The Untold Struggles of Underpaid Insurance Agents By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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When people think of insurance agents, they often picture professionals in suits with steady paychecks, reaping the rewards of a lucrative industry. What most people don’t see is the irony: ACA (Affordable Care Act) agents like myself—key players in connecting families to life-saving health coverage—are barely scraping by.

Yes, I’m a world-renowned author, but books don’t always pay the bills. And it turns out, being an ACA agent doesn’t either. Why? Because corporate greed and skewed priorities have turned agents into modern-day paupers, even as we play an essential role in a system designed to promote health and well-being.

The Realities of Being an ACA Agent

As ACA agents, we are the bridge between millions of uninsured Americans and the healthcare coverage they desperately need. We guide clients through a maze of terms like “deductibles” and “copayments,” ensuring they get the best possible plan. But despite the vital role we play, the compensation model for agents is laughable—and not in a funny way.

How We’re Paid

  • Companies make thousands of dollars from each ACA policy over its lifespan.
  • Agents, in contrast, earn as little as $2.50 to $10 per policy or hourly wages ranging from $15 to $20.

For example, last week, after working 40 hours and enrolling dozens of clients, I earned a grand total of $600. To make matters worse, I pay $50 per week out of pocket for the multi-state licenses my company requires.

The Hidden Costs of This Job

It’s not just the paltry paycheck. There are countless hidden costs that most people—and employers—overlook:

  1. Licensing Fees
    Each state has its own licensing requirements, and if your company operates in multiple states, you’re responsible for paying to keep those licenses active. The costs can quickly climb into the hundreds or even thousands annually.
  2. Continuing Education
    To maintain compliance, agents must complete ongoing education courses—often on their own time and dime.
  3. Legal Risks
    We operate under strict compliance standards. If a client claims they were misinformed or lied about their circumstances (and let’s be real, some do), the agent—not the company—can face legal consequences.
  4. Unpaid Training
    Recently, I was threatened with disciplinary action for not completing a 3-hour general agent (GA) test. On my own time. As a W-2 employee, shouldn’t I be paid for this? Apparently not.

When Clients “Forget” the Whole Conversation

One of the most frustrating parts of this job is dealing with clients who conveniently “forget” entire conversations. Imagine this: you spend an hour explaining options, selecting a zero-dollar premium plan, and ensuring everything is compliant. A month later, that same client claims they’ve never spoken to you.

How does someone forget a detailed conversation about their health insurance? They don’t. They lie. And without recorded calls, agents like me would have no defense.

The Bigger Picture: Corporate Greed

Let’s not beat around the bush: the companies profiting from ACA policies have created a system where agents, the backbone of their operations, are expendable.

  • These companies rake in billions in federal subsidies while nickel-and-diming the very people ensuring their success.
  • Instead of reinvesting in their workforce, they prioritize shareholder profits.

What Needs to Change

It’s time to demand better for ACA agents. Here’s how we can start:

  1. Fair Pay
    Agents should receive a livable wage and a fair commission per policy—at least $50 to $100, reflecting the true value of our work.
  2. Paid Training
    If companies require tests or certifications, they should compensate agents for their time.
  3. License Reimbursement
    Companies should cover the cost of multi-state licensing for their agents.
  4. Transparency
    Companies should be upfront about how much they profit from ACA policies and ensure agents receive a reasonable share of that revenue.

Why This Matters

This isn’t just about me. Thousands of ACA agents across the country face the same challenges. We’re expected to be healthcare navigators, compliance experts, and customer service reps—all for a paycheck that barely covers the basics.

The Affordable Care Act was designed to promote access and equity in healthcare. But how can the system truly succeed if the very agents facilitating it are undervalued and underpaid?

Final Thoughts

To my fellow agents: you are not alone. Keep advocating for yourselves and your clients. To the companies profiting from our labor: it’s time to share the wealth. And to clients who “forget” entire conversations—just know we have recordings.

Being an ACA agent is a labor of love, but love doesn’t pay the bills. Until the system changes, we’ll keep doing what we do best: helping others, even as we struggle ourselves.

References

  1. “The Affordable Care Act and Its Economic Impact on Agents” (Journal of Health Policy, 2022)
  2. Bureau of Labor Statistics: Insurance Agent Earnings Overview (BLS.gov)
  3. Corporate Profits in the Health Insurance Industry (Health Economics Today, 2023)

Let’s ensure the unsung heroes of the ACA—its agents—receive the recognition and compensation they deserve. Because at the end of the day, no one should have to choose between saving lives and making a living.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

Our full disclosure, terms of use, and privacy policy. | thehypothyroidismchick

This piece was inspired by timeless wisdom and the understanding that true success lies not in the small battles, but in the pursuit of one’s purpose. –A.L. Childers

The Great Irony: Saving Lives While Struggling to Make a Living By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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Imagine this: you’re on the front lines of healthcare access in America, ensuring families have coverage to avoid medical catastrophes, only to realize that your paycheck barely covers your own bills. This is the daily reality of an ACA health insurance agent.

Yes, I’m a world-renowned author, but let me be clear—writing books doesn’t always pay the bills, and neither does being an ACA agent. Why? Because corporate greed knows no bounds, and the very companies that profit from our hard work seem determined to undervalue us.

The Life of an ACA Agent: A Balancing Act of Dedication and Despair

As ACA agents, we pour our hearts into helping clients navigate a complex healthcare system. We spend hours explaining policies, ensuring compliance, and tailoring plans to fit individual needs. We’re there for people when they’re scared, confused, and desperate for solutions.

But while we work tirelessly for others, our own needs often go unmet.

Numbers That Don’t Add Up

Let’s break this down:

  • The average company makes thousands of dollars per ACA policy over its lifespan.
  • Agents are paid $10–$20 per hour, with some earning only $2.50–$10 per policy written.

Here’s a personal example: last week, I worked 40 hours and earned $600. That’s $15/hour. Meanwhile, the company profited significantly more from the policies I enrolled. To add insult to injury, I pay $50 weekly to maintain my licenses in multiple states—a requirement my employer mandates but doesn’t reimburse.

How is this sustainable? Spoiler alert: it’s not.

The Hidden Costs of Being an ACA Agent

Being an agent isn’t just about answering calls or filling out forms. It comes with hidden costs and risks:

  1. Licensing Fees: We’re required to be licensed in every state where our company sells policies, which adds up quickly.
  2. Continuing Education: Staying compliant means investing time and money into education courses.
  3. Unpaid Training: Recently, I was threatened with a write-up for not completing a 3-hour GA (general agent) test—on my own time. As a W-2 employee, why can’t the company pay me for this?
  4. Legal Liability: If a client lies about their enrollment, guess who’s on the hook? Us. Without recorded conversations, we’d be left defenseless against false allegations.

Clients Who “Forget”

Let me paint a picture: you spend an hour helping a client find the perfect zero-dollar premium plan. You record the call for compliance. A month later, they claim they’ve never spoken to you. Why? To dodge a bill, dispute a penalty, or just stir up chaos.

How could someone forget an entire conversation about their health insurance? They didn’t. They lied. And without recordings, we’d be left holding the bag.

Corporate Greed at Its Finest

The ACA was designed to make healthcare accessible, and agents are the backbone of that system. Yet the companies profiting from our work treat us like disposable cogs in a machine.

Consider this:

  • Companies make thousands of dollars per policy over its lifetime, but agents earn less than $10 per policy.
  • We’re expected to act as healthcare experts, compliance officers, and customer service reps, all while being underpaid and overworked.

What Needs to Change

  1. Fair Compensation: Agents deserve a livable wage and fair commissions that reflect the value we provide.
  2. Paid Training: Employers should compensate agents for required tests and courses.
  3. License Reimbursement: Companies should cover the cost of state licenses.
  4. Transparency: The public deserves to know how much companies profit from ACA policies and how little they pay the agents doing the work.

Why It Matters

This isn’t just about me—it’s about the thousands of agents across the country struggling to make ends meet while providing an essential service. We ensure families have healthcare, yet we’re treated as expendable.

To my fellow agents: keep fighting the good fight. To the companies: pay us what we’re worth. And to clients: please, for the love of all things holy, stop lying. We have the recordings.

References

  1. The Affordable Care Act: A Primer for Agents (Industry White Paper, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Wages (BLS.gov)
  3. Healthcare Profit Margins: A Deep Dive (Journal of Health Economics, 2022)

This is a call to action—for better wages, better treatment, and a system that values the agents keeping it afloat. Until then, I’ll keep writing books, selling policies, and demanding the respect we all deserve.

The Great ACA Agent Rip-Off: Why Insurance Agents Deserve Better Pay for Their Unwavering Commitment

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Insurance agents: the unsung heroes of healthcare. We work tirelessly to ensure people have access to affordable health insurance through the Affordable Care Act (ACA), bending over backward to meet their needs. We patiently explain policies to customers who sometimes act like they’ve never heard the word “deductible.” We navigate Byzantine licensing requirements, handle continuing education classes, and provide unparalleled customer service—all while the companies we work for are raking in profits and giving us peanuts in return.

The Harsh Reality: Agents Get Screwed While Companies Laugh All the Way to the Bank

Let’s talk numbers. Companies make thousands of dollars per ACA policy over the life of that policy, thanks to generous federal subsidies and incentives. And what do agents get? A pittance.

Consider this:

  • Some agents are paid as little as $2.50- $10 per policy written after it goes into effect.
  • Hourly wages can range from $15–$20/hour, barely enough to buy groceries, let alone pay rent.
  • If you’re a W-2 employee, your company might begrudgingly offer $20/hour—but then turn around and charge you $50 per week for state licenses to keep you legal.

I personally made $600 last week after working 40 hours. That’s $20/hour, after taxes. How is anyone supposed to live on that? Meanwhile, the company is pocketing thousands of dollars from the policies I wrote.

A Thankless Job: The Hidden Costs of Being an Agent

On top of the low pay, consider the financial and emotional burdens we shoulder:

  1. Licensing Fees: We have to pay for our licenses in every state where our company sells policies. That’s hundreds or even thousands of dollars out of pocket annually.
  2. Continuing Education: We’re held to the highest standards, and rightfully so—but the costs for required courses come out of our own pockets.
  3. Legal Risks: If a client decides to lie about their enrollment or coverage (because we all know people never lie—insert sarcasm here), we could face allegations or even lawsuits.
  4. Unpaid Work: My company recently threatened to write me up because I hadn’t completed a 3-hour GA (Georgia Access) test. On my own time. As a W-2 employee, why can’t they pay me to take this test?

Dealing with “Forgetful” Clients

Here’s a scenario every agent knows too well: you spend an hour helping someone find the perfect zero-dollar premium plan. You record the entire conversation for compliance. A month later, they claim they’ve never spoken to you. They’re trying to dodge a penalty, dispute a bill, or just cause chaos.

“How could you forget having an entire conversation about your health insurance policy?”
Answer: You didn’t forget. You’re lying. And thank goodness for recordings, or we’d be left holding the bag.

The Human Cost of Unlivable Wages

Insurance companies seem to forget that agents are people with bills to pay and families to support. How can anyone expect us to do a high-stakes, high-responsibility job on a poverty-level income? The ACA was designed to make healthcare accessible, but the agents making it happen are barely scraping by.

And it’s not just about the money—it’s about respect. We’re professionals providing an essential service. We’re the ones keeping the system running, yet we’re treated as disposable cogs in a corporate machine.

What Needs to Change

  1. Fair Pay: Companies should pay agents a livable wage that reflects the value we bring. At the very least, agents should receive a reasonable commission per policy (think $50–$100, not $10).
  2. Paid Training: If agents are required to take additional courses or tests, companies should pay us for our time.
  3. Licensing Assistance: Companies should cover licensing fees for the states where they require us to sell.
  4. Better Transparency: Companies need to be upfront about how much they profit from ACA policies and ensure agents get a fair share of that pie.

Final Thoughts

Insurance agents are the backbone of the ACA, yet we’re treated like an afterthought. The companies we work for make billions while we struggle to make ends meet. It’s time to demand better.

To my fellow agents: keep fighting the good fight. To the companies profiting from our labor: pay us what we’re worth.

And to the clients who claim they “don’t remember” enrolling in a zero-dollar premium plan: please. We’re not magicians—we don’t conjure policies out of thin air.

Let’s hope that one day, the healthcare system will be as fair to agents as it is to the people we serve. Until then, we’ll keep doing what we do best: working hard, staying professional, and fighting for what’s right—even if it’s just our paycheck.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

The views and services offered by Thehypothyroidismismchick.com are not intended to be a substitute for professional medical assistance but as an alternative for those seeking solutions for better health. We do not claim to diagnose, treat, prevent, or cure any disease but simply help you make physical and mental changes in your own body to help your body heal itself. Remember that results may vary, and if you are pregnant, nursing, taking medications, or have a severe condition, you should consult a physician or other appropriate medical professional before using any products or information on this site. Thehypothyroidisimchick.com assumes no responsibility for the use or misuse of this material. Your use of this website indicates your agreement to these terms. Our full disclosure, terms of use, and privacy policy.

The information on this site is not intended or implied to be a substitute for professional medical advice, diagnosis, or treatment. All content, including text, graphics, images, and information on or available through this website, is for general information purposes only. Opinions expressed here are the opinions of the writer. Never disregard professional medical advice or delay seeking medical treatment because of something you have read or accessed through this website.

This site is designed for educational purposes only and is not engaged in rendering medical advice, legal advice, or professional services. If you feel that you have a medical problem, you should seek the advice of your physician or health care practitioner. For additional information, please see Our full disclosure, terms of use, and privacy policy.

Our full disclosure, terms of use, and privacy policy. | thehypothyroidismchick

This piece was inspired by timeless wisdom and the understanding that true success lies not in the small battles, but in the pursuit of one’s purpose. –A.L. Childers