California Exchange Comments on the Broker's Role

[supersupps]

Actually it is me.. I market MA SNP's and due to the dual demo nonsense, my market is drying up.. since I specialize in the low income now, why not just continue to market to low income in ACA. Hey, why not pm me your strategy. I wont tell a soul.. BTW, I bet Ann knows exactly what your plans are. Care to share Ann?

 

[Yagents]

too low of income and they r on medicaid, and no pay to agents

 

[supersupps]

too low of income and they r on medicaid, and no pay to agents

No that low.. but low enough where they didnt have insurance but can now.

 

[Yagents]

No that low.. but low enough where they didnt have insurance but can now.

And there lies the myth.....

If un-insurable now, maybe they will get insurance if medical costs are more than the subsidized premium.

If young and insurable now, they can get a policy now (but haven't) for a $100 price that's similar to the subsidized price. So, they won't buy.

If older, lower income, insurable, and paying $0 now, they still won't buy insurance for even a price of $150 subsidized price. They won't have the money to go from $0 to $150, they'll have to give up cable TV.

Look at the low enrollment rate of PCIP as an example. In states like TX/AZ/FL that have the highest uninsurable rates, there is a competitive low cost market, and healthy lower income still did not buy.