Tag Archives: affordable-care-act

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.

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. 😊

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

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.