Tag Archives: #medicare

Can I Still Work and Get Medicare? What Every Woman Over 50 Needs to Know

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By Audrey Childers
Founder of TheHypothyroidismChick.com | Licensed Medicare Agent | Author & Wellness Advocate

If you’re approaching 65 and still working, you might be asking: “Do I need to enroll in Medicare if I still have health insurance through my job?”

Short answer? Maybe.

Long answer? It depends on the size of your employer, your coverage type, and your future health needs. And if you’re a woman navigating thyroid issues, hormone shifts, or chronic illness—you really can’t afford to get this wrong.

Let’s make it simple.

📊 Do I Have to Enroll in Medicare at 65 If I’m Still Working?

If your employer has fewer than 20 employees, YES. Medicare becomes your primary insurance, and you must enroll in Part A and Part B to avoid penalties and coverage gaps.

If your employer has 20+ employees, you may be able to delay enrolling in Part B (and D) without penalty if your group coverage is considered “creditable” (meaning it meets Medicare’s standards).

🏋️ What If I Have Thyroid or Autoimmune Issues?

Here’s where it gets real: most employer plans don’t prioritize ongoing hormone care, comprehensive thyroid panels, or specialist access like endocrinologists or functional medicine doctors.

💡 Audrey’s Tip: Medicare often offers broader access to specialists and lower out-of-pocket costs on certain prescriptions if you choose the right plan.

If your thyroid meds aren’t covered well under your employer plan, it might be time to do a side-by-side comparison.

📕 How to Know When It’s Time to Switch

Ask yourself:

  • Are your prescriptions getting more expensive?
  • Are you being denied referrals or labs you need?
  • Is your coverage making you jump through hoops just to see the right provider?
  • Are you planning to retire in the next 6-12 months?

If the answer is yes to any of these, it might be time to transition into Medicare now—or at least create a plan for a smooth switch.

🚑 My Health Isn’t “Average”. What Should I Do?

You need a Medicare plan that reflects your reality:

  • Thyroid dysfunction
  • Autoimmune triggers
  • Hormonal shifts
  • Mental health ups and downs

Not all plans are created equal—and none are built specifically for women 50+ with complex wellness needs.

That’s why I created TheHypothyroidismChick.com.

📖 Books by Audrey Childers

Want more clarity, guidance, and wellness wisdom?

Check out my books:

  • Reset Your Thyroid: 21-Day Meal Plan to Reset Your Thyroid
  • Hashimoto’s Crock-Pot Recipes
  • A Women’s Holistic Holy Grail Handbook for Hypothyroidism
  • Fresh & Fabulous Hypothyroidism Body Balance
  • Available now on Amazon (Search: Author A.L. Childers )

🎁 Get the Free Survival Guide

Don’t leave your Medicare or thyroid care to chance.

Download your Free Thyroid & Insurance Survival Guide for Women 50+:
Click to access thyroid_insurance_survival_guide_audrey_childers-1.pdf

Click to access thyroid-insurance-survival-guide.pdf

Includes:

  • Labs to request
  • Questions to ask your doctor or insurance agent
  • Medicare vs ACA comparison
  • A checklist to help you transition with confidence

Join my email list and get access to future freebies, books, and guides just for women like you!

🚀 Want More?

📬 Check out my article on TheHypothyroidismChick.com
🔎 Search Audrey Childers Medicare blog
📖 Find my book on Amazon by searching ‘Audrey Childers Medicare’
🔍 Google ‘Medicare for thyroid disease + The Hypothyroidism Chick’

📌 Disclaimer:

This article is for educational purposes only and is not a substitute for personalized advice from a licensed agent or healthcare provider. Coverage options vary by state, employer size, and plan availability. Audrey Childers is not affiliated with Medicare or any government agency.

“For more, visit TheHypothyroidismChick.com

Let’s make Medicare make sense—even while you’re still working.
👩‍🎓 Audrey Childers

Easy-to-Understand Medicare Guidance

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Because healthcare shouldn’t feel like homework

By Audrey Childers | TheHypothyroidismChick.com

Navigating Medicare can feel like reading a foreign language—Parts A, B, C, and D, enrollment windows, networks, deductibles—it’s enough to make your head spin.

But here’s the truth: It doesn’t have to be confusing.

As a licensed Medicare agent and wellness advocate, I help real people every day understand how Medicare works without jargon or scare tactics. This guide is here to help you feel empowered, informed, and at peace—because everyone deserves healthcare that makes sense.

🧩 What Is Medicare, Really?

Medicare is a federal health insurance program primarily for:

  • People age 65 or older
  • Some younger people with disabilities
  • People with End-Stage Renal Disease (ESRD)

There are 4 parts:

PartWhat it Covers
AHospital stays, hospice, skilled nursing
BDoctor visits, outpatient care, preventive services
CMedicare Advantage (combines A & B, often D)
DPrescription drug coverage

💡 Think of it like a puzzle—your job is to find the pieces that fit your needs and budget best.

📅 When Should I Enroll in Medicare?

Initial Enrollment Period (IEP) is your first window:

  • Begins 3 months before your 65th birthday
  • Ends 3 months after your birthday month (7 months total)

Missing this can result in penalties, so don’t wait too long!

✅ Already retired? You’ll likely sign up for both Parts A and B.

✅ Still working? You may qualify for a delay if your employer coverage meets certain criteria.

🛒 Do I Need All the Parts?

That depends on:

  • Your health conditions
  • Your medications
  • Your preferred doctors
  • Your financial situation

For example, many people pair Original Medicare (Parts A & B) with:

  • A Part D plan (prescriptions)
  • A Medigap policy (to help with out-of-pocket costs)

Others choose a Medicare Advantage (Part C) plan, which bundles coverage and often includes extras like dental, vision, and gym memberships.

⚠️ Warning: Not all doctors accept Advantage plans. Always check your provider’s network!

💊 What About Prescriptions? (Part D)

Even if you’re not taking meds now, signing up for Part D on time avoids lifetime penalties.

💡 Tip: Choose a low-cost plan just to stay protected.

💰 Is Medicare Free?

Part A is usually free if you or your spouse worked and paid taxes for 10+ years.

Part B has a monthly premium (around $174.70 in 2024), and you may pay more based on income.

💊 Part D and Medigap or Advantage plans also come with their own costs—but many people find options that work within their budget.

❤️ What If I Have Chronic Conditions Like Hypothyroidism or Hashimoto’s?

Then choosing the right plan becomes even more important.

✅ Make sure your doctors, specialists, and lab work are covered.
✅ Check if your prescriptions are on the plan’s formulary.
✅ Look for extra perks like telehealth, nutritional counseling, and wellness support.

As someone who lives with thyroid disease, I built TheHypothyroidismChick.com to help you combine wellness with smart insurance choices. You deserve care that actually works for your life.

🤝 Need Help Picking a Plan?

Most people don’t know this, but working with a licensed Medicare agent is 100% free to you—and it can save you thousands in the long run.

If you’d like help:

  • Understanding your options
  • Avoiding penalties
  • Finding the plan that fits your real-life health needs

📩 Visit me at TheHypothyroidismChick.com and join my blog list for free Medicare checklists, enrollment reminders, and clear, compassionate guidance.

💌 Subscribe for Free Medicare Support

Want easy-to-understand info sent to your inbox?

✔️ No spam
✔️ No pressure
✔️ Just real answers from someone who gets it

🎁 Click here to join the list and get access to:

  • Enrollment timelines
  • Plan comparison cheat sheets
  • Thyroid health and Medicare tips
  • Exclusive guides and wellness resources

👩‍💼 About the Author

Audrey Childers is a licensed Medicare agent and the founder of TheHypothyroidismChick.com. After managing her own autoimmune conditions and health frustrations, Audrey became passionate about helping others—especially women 50+—cut through the confusion of Medicare and chronic care with warmth, wisdom, and real talk.

📜 Disclaimer

This article is for educational purposes only and does not replace personalized advice from a licensed agent or official Medicare sources. Medicare policies change frequently and vary by location. Audrey Childers is an independent agent not affiliated with or endorsed by the U.S. government or Medicare.

5 Medicare Mistakes to Avoid (and How to Make Smarter Choices Instead)

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By Audrey Childers, Licensed Insurance Agent & Health Advocate
Visit me at TheHypothyroidismChick.com for more support on Medicare, thyroid health, and everyday wellness.

Medicare can feel like alphabet soup—Parts A, B, C, D—and one wrong turn can cost you more than money. Whether you’re approaching 65 or helping a loved one navigate their options, understanding the most common Medicare mistakes can save you stress, time, and hard-earned cash.

Here are 5 costly Medicare mistakes to avoid—and what to do instead.

❌ Mistake #1: Missing Your Initial Enrollment Window

Q: What happens if I miss my Medicare enrollment deadline?

A: If you don’t sign up for Medicare during your Initial Enrollment Period (three months before and after your 65th birthday), you may face late penalties that stick with you for life—especially on Part B and Part D.

Tip: Even if you’re still working, it’s essential to understand whether your current employer coverage qualifies you for delayed enrollment without penalty.

✅ Solution: Put a reminder in your calendar to review Medicare options at least 6 months before you turn 65. Better yet, speak to a licensed agent who can walk you through it. (Want help? Visit TheHypothyroidismChick.com to connect.)

❌ Mistake #2: Choosing the Wrong Plan Without Comparing Options

Q: Should I just stick with Original Medicare or go with Medicare Advantage?

A: That depends on your budget, health needs, and doctor preferences. Many people make the mistake of choosing a plan because it sounds familiar—without comparing benefits, costs, or networks.

✅ Solution: Review all your options—Original Medicare (Parts A & B), Part D for prescriptions, Medigap, or Medicare Advantage (Part C). Use tools like Medicare.gov or connect with a trusted agent.

❌ Mistake #3: Ignoring Prescription Drug Coverage (Part D)

Q: I’m not taking medications now—do I need a Part D plan?

A: Yes! If you skip Part D when you’re first eligible and try to enroll later, you may pay a permanent late-enrollment penalty.

✅ Solution: Even if you take no medications, choose a low-cost Part D plan to avoid penalties and protect yourself from future expenses.

❌ Mistake #4: Assuming Your Doctor Is Covered Without Checking

Q: My doctor takes Medicare, so I’m covered, right?

A: Not always. Some providers don’t accept all Medicare Advantage plans, and others opt out of Medicare altogether.

✅ Solution: Always check your provider’s network status before choosing a Medicare Advantage plan. And confirm with your doctor’s office—not just the insurance company.

❌ Mistake #5: Not Getting Help from a Licensed Agent

Q: Can’t I just do this myself online?

A: You can, but Medicare is full of small print, changing rules, and hidden costs. Working with a licensed agent is 100% free to you and helps ensure you’re getting the best plan for your needs.

✅ Solution: Connect with a local Medicare expert who will explain the fine print, help you compare plans, and make sure you’re not leaving money or benefits on the table.

💡 Bonus Tip: Your Health Conditions Matter—A Lot

If you live with conditions like hypothyroidism, Hashimoto’s, or other chronic health issues, it’s critical to choose a Medicare plan that covers the specialists, medications, and lab work you need without surprise costs.

👉 That’s why I created TheHypothyroidismChick.com—to give real people real answers about health, hormones, and Medicare. I share insights, checklists, and support that can help you make smarter healthcare decisions every year.

📬 Stay Informed — Stay Empowered

Avoiding these five Medicare mistakes can make all the difference in how confident and covered you feel. If you’re looking for help with Medicare enrollment, understanding plan changes, or simply want to feel seen in a healthcare world that often overlooks people with complex needs—I’ve got your back.

Visit TheHypothyroidismChick.com for:

  • Personalized Medicare support
  • Wellness tips for women 50+
  • Help navigating chronic health issues
  • Free resources & updates

👩‍💼 About the Author:

Audrey Childers is a licensed insurance agent, wellness advocate, and the voice behind TheHypothyroidismChick.com. After facing her own battles with hypothyroidism and navigating the complex world of healthcare and insurance, Audrey made it her mission to empower others with the knowledge they need to make informed decisions—especially when it comes to Medicare, thyroid health, and chronic wellness issues.

With a warm, down-to-earth style, Audrey blends professional insight with personal experience to help others take control of their health and their future. She is passionate about supporting women 50+, simplifying Medicare, and sharing holistic wellness resources that actually work.

💌 Stay Connected & Informed

Want free email newsletters packed with vital Medicare updates, thyroid health tips, and real-life wellness advice you can trust?

Join my blog list at TheHypothyroidismChick.com to get:
✔️ Easy-to-understand Medicare guidance
✔️ Updates on enrollment deadlines & plan changes
✔️ Wellness hacks for women 50+
✔️ Free resources, printables, and cheat sheets
✔️ Personal insights from someone who’s walked this road

✨ It’s free to join, and I’ll only send you content that matters—no fluff, no spam, just support.

🔗 Subscribe now at TheHypothyroidismChick.com

🖥️ Learn more and get support at: www.TheHypothyroidismChick.com
📬 For questions, collaborations, or speaking inquiries, contact Audrey through the site.

📜 Disclaimer:

The information provided in this blog is for educational and informational purposes only. It is not intended as legal, financial, or medical advice and should not be relied upon as such. Medicare rules and policies are subject to change, and plan availability varies by location. Please consult with a licensed insurance agent or the official Medicare website (Medicare.gov) before making decisions about your healthcare coverage.

Audrey Childers is a licensed insurance agent and wellness writer but is not affiliated with or endorsed by the U.S. government or Medicare.

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. 😊

The Health Insurance Agent’s Survival Guide: Navigating the Annual Purge

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Every year, after the Open Enrollment Period (OEP) concludes, health insurance agents face a stark reality that many don’t anticipate when entering the industry—the annual “agent purge.” For many newcomers, health insurance seems like a lucrative, stable career. Agents imagine helping families find affordable care while earning a steady commission. What they don’t realize is that the health insurance industry operates much like any other big business: profit-driven and ruthless.

While agents also aim to make a living, the annual purge is a sobering reminder that health insurance companies prioritize their bottom line above all else. Here’s a closer look at this harsh cycle, along with a short story to illustrate its reality.

The Purge Explained

Every year, health insurance companies recruit thousands of agents before OEP to meet the demand for coverage. Agents work tirelessly during this period, often juggling high-pressure calls, endless paperwork, and unrealistic quotas. Once OEP ends, however, the landscape shifts dramatically.

Examples of the Purge:

  1. Contracts and Commissions Vanish: After OEP, many agents find their contracts terminated or commissions slashed. They’ve done the heavy lifting, but their services are suddenly deemed expendable.
  2. Support Disappears: Companies that once provided extensive resources and training during OEP often withdraw post-enrollment, leaving agents to fend for themselves.
  3. Competition Intensifies: Remaining agents face dwindling leads and fierce competition for the few prospects left outside the enrollment window.

A Short Story: The Purge in Action

Sophia was ecstatic when she landed her first job as a health insurance agent. She envisioned herself helping families navigate the confusing world of health coverage. Her company rolled out the red carpet during training, promising endless opportunities and generous commissions.

When OEP began, Sophia dove in headfirst. She worked 12-hour days, fielding calls from frantic parents, retirees, and individuals desperate for affordable coverage. By the end of OEP, she had enrolled over 100 clients and felt immense pride in her work.

But then came February.

Sophia’s inbox filled with impersonal emails from her company, notifying her of “new changes to commission structures.” Her support team, once available 24/7, now took days to respond. Worst of all, the leads she had worked so hard to nurture were reassigned to other agents without explanation. Her earnings dwindled to a fraction of what she expected, and her contract was quietly terminated in March.

Feeling betrayed, Sophia reached out to a mentor who had been in the industry for years. The mentor explained the unspoken rule: “This happens every year. Companies only care about the OEP numbers. The rest of us? We’re disposable.”

How to Survive the Purge

For agents like Sophia, the key to survival lies in preparation and adaptability. Here are some tips to thrive in a cutthroat industry:

  1. Diversify Your Portfolio: Don’t rely solely on one carrier or product. Explore supplemental insurance or year-round plans that keep you active beyond OEP.
  2. Build Long-Term Relationships: Clients who trust you will come back year after year. Focus on service, not just sales.
  3. Have a Post-OEP Plan: Develop strategies to sustain your business after the enrollment rush, such as networking, marketing, and leveraging referrals.
  4. Stay Educated: The industry is constantly changing. Staying informed about policies and trends will keep you ahead of the competition.

The health insurance industry isn’t for the faint of heart. But for those who learn to navigate its challenges, there are rewards. By understanding the annual purge and preparing accordingly, agents can build a resilient career that withstands the industry’s ups and downs.

As Sophia learned, survival isn’t just about sales—it’s about strategy, persistence, and never underestimating the value of your own hard work.

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.

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

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