Thanks for the welcome to the forums though Sam beat you to it lol. though jokes aside my statement I dont think was brainwashing. its undeniable Obamacare has been a trainwreck at best. it's been ripped to shreds repeatedly by nearly everything except the most hardcore of the hardcore democrats. Im not saying USHA is perfect or anything, just stating a fact comparison....just because USHA might not avoid all the penalties and obamacare doesnt mean obamacare is by default better. I dont know whether I am serious about it, though am considering give it a run for a month or two and see how it goes. figure i can make back at least the money spent for the license and training by then easily enough and ideally quite a bit more also(hoping for 2000-3000 in a month....though won't lie that rosy 10,000 a month figure does sound nice!!! but yeah the 2000-3000 a month is what i am realistically aiming for) for what its worth Im just out of college and trying to find something, almost anything that isnt BS retail just to get some kind of work and go from there. I have read through this thread and another one and it seems all over the map. from glowing praises to middle of the road statements to SCAM SCAM STAY AWAY. it leaves figuring out the truth a bit confusing. regardless thanks for the reply I will look into under 65 health insurance as I have no clue what that is.
Don't confuse the "ripping to shreds" of Obamacare to mean the insurance coverage is bad. With all compliant plans (aka- Obamacare), there is a max out of pocket for claims. The complaints about Obamacare in large part are about premiums.
With some USHA plans there is a schedule of benefits. For example, they have a set dollar amount they will pay for specific services. That dollar amount could be well below the actual charges which would leave a person owing a large amount. These same type plans have no limitations to what the insured could have to pay.
In some areas they may have plans that mirror a major medical plan but do not cover pre-existing conditions or maternity. In addition, they would be subject to the penalty for not having a compliant plan. So a person is paying for "insurance" and still has a penalty for not having a compliant plan. That should be a fun conversation with your client when they get their surprise in February or March the following year.
Of the two types of plans I've listed, the former is a good way to cause someone to go broke and ruin your reputation. The latter is slightly better, but still not something I would purchase myself nor would sell to anyone.
Fortunately you get to make your own decisions and build your own reputation.