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The Centers for Medicare & Medicaid Services (CMS) has announced immediate system changes designed to reduce unauthorized and non-compliant Marketplace enrollments through HealthCare.gov. These updates directly impact how agents and brokers manage Marketplace applications and consumer interactions
If you’ve worked with Medicare clients, you know there’s no one-size-fits-all plan. What many agents don’t realize is how effective and profitable it can be to combine Medicare with the right supplemental coverage. Let’s explain this
If you’re an insurance agent, referrals are one of the best ways to grow your business. But many agents overlook the most important part of building a strong referral network: creating shared value, trust, and
Cigna is announcing today that it will leave the ACA Marketplace by the end of 2026. About 369,000 Cigna ACA members in 11 states will need new ACA plans heading into 2027. All current Cigna
Clients’ liking you is not enough to generate referrals, and it’s not because you’re doing something “wrong”; it’s because referrals follow human psychology, not satisfaction. You’ve probably at some point thought to yourself, “My clients
Most insurance agents know referrals are powerful, but asking for them is awkward or uncomfortable. It can feel pushy, forced, or even a little desperate. But these feelings arise because agents aren’t recognizing that the
If you’ve worked in the ACA or individual market for a while, you know that many quoting tools have confusing enrollment steps that can frustrate clients. Lucie, Oscar Health’s new enrollment and marketplace platform, is
Many insurance agents treat supplemental plans as add-ons rather than core parts of their client strategy. But when explained well, supplemental coverage can deliver vital financial protection, especially as deductibles, out-of-pocket costs, and coverage gaps
Baylor Scott and White Health Plan is announcing plans to stop its Medicaid health plans in August 2026 and end its ACA Marketplace plans at the end of 2026. This action will impact 125,000 Medicaid
The new BCBSTX-MemorialHermann agreement provider network agreement, concluded this past weekend, will also include the BCBSTX Medicare Advantage (MA) plans that have not had MemorialHermann facilities and physicians in-network since January. This action makes the
The number of life insurance applications in the 1st quarter of 2026 increased 14.3% over the 1st quarter of 2025, which was the all-time life insurance application record. A lot of this growth comes from
We talked about the 2027 CMS Final Rule on Medicare Advantage Payments and the 2027 Final Rule on Star ratings earlier in the week. What are others saying now about these two critical pieces impacting
BCBSTX is introducing a window for agent producers who want to move from one General Agent to another. The transfer period will run from April 1 through April 30, with an effective date of June
After receiving almost 50,000 comments on their 2027 Medicare Advantage payment rate proposal, CMS is issuing a final rule that increases Medicare Advantage payments by 2.48% in 2027. This final rule also sets the 2027 standard Part
Insurance leads come from many sources, such as online ads, purchased lists, community events, and networking. But if you ask top agents where their best business comes from, most will say referrals. That’s because insurance
CMS is giving Elevance more time to respond to the CMS enforcement notice regarding its questions about Elevance’s risk adjustment data submitted from November 2018 to October 2025. Elevance now has until May 30, 2026
If there’s one habit that sets successful insurance agents apart from average ones, it’s not just prospecting, product knowledge, and follow-up. Great agents understand that the relationship really begins after the policy is issued. That’s
Devoted Health has issued a notice to all Devoted-appointed agents and agencies regarding the use of certain third-party “ready-to-enroll” lead platforms. Devoted Health has identified situations in which agents purchase “ready-to-enroll” leads from third-party vendors and
In our top 10 2026 insurance trends article last December, we mentioned the increasing 2026 cost trends insurance companies would likely have to deal with as a top trend for the industry. Agility made this
ACA coverage gaps and increasing client cost shares are real! A survey of returning ACA clients in late 2025 shows that 51% report “a lot higher” healthcare costs than in 2024. A large majority of this
