Changes from 2015 to 2016... Rules, Premiums, Plans, Exchanges, Etc.

Looks like we're kicking some texas butt, except in El Paso. Could it be this soon to be marketing relic made a difference? Wonder what it will look like next year with Miami-care?

Texas trailing Florida in Obamacare sign-ups | Dallas Morning News

Florida has more insurance agents and brokers hawking exchange policies.

South Florida cities, including Miami, have seen a proliferation of storefront sign-up locations run by agents and brokers. Many have put up signs or pay people to walk alongside traffic carrying placards.

"When you go to Miami, it looks like everybody and their brother is selling Obamacare," said Annette Raveneau, the national Latino press secretary for Enroll America, a nonprofit with ties to the Obama administration. "You see signs everywhere, 'Obamacare here. Obamacare here.' I've never seen that in any of the cities I've traveled to in Texas."

Excellent! More uninsured people for next year, which should translate into steady commissions in TX.
 
Who here is Ted Cruz's broker? Raise your hand
At least he picked the right plan, the same one I bought.

In Reversal, Campaign Says Ted Cruz Does Have Health Insurance - Washington Wire - WSJ


Cruz spokeswoman Catherine Frazier said Friday that Mr. Cruz's insurance broker had told him that he lost his health coverage when his Blue Cross and Blue Shield of Texas preferred provider organization, or PPO, policy terminated on Dec. 31.

But Mr. Cruz had in fact been automatically enrolled by Blue Cross and Blue Shield of Texas in another, narrower-network "health maintenance organization" plan that kept him covered in January. As we reported earlier, when we explained the headache on Friday, that's what the insurer said it did for all customers in his situation — even if Mr. Cruz didn't know it.

Based on the information from his insurance broker, "Sen. Cruz believed the family was uninsured and asked the broker to pull quotes immediately for a new policy," Ms. Frazier said. "The Cruz family is currently covered by a Blue Cross HMO."

Not for long, though. Mr. Cruz recently arranged to get a new policy that is closer to the kind of coverage he had before, and will be a Humana enrollee effective March 1 in one of their wider-network PPO plans. That's what will cost him around 50% more than he was paying in 2015, Ms. Frazier said
 
What happens when Humana loses his application and/or strips the agent NPN off the app?

Probably doesn't matter much. Seems like his agent was asleep at the switch.
 
What happens when Humana loses his application and/or strips the agent NPN off the app?

Probably doesn't matter much. Seems like his agent was asleep at the switch.

The Humana specialty is to enroll people in a plan different than the one on the application and then make it pretty much impossible to get them to change it, maybe Cruz will get this special treatment.
 
I recall some very astute experienced agents on this forum saying the same thing as the Aetna CEO below:

Aetna's good news: Is it good for you? | LifeHealthPro


"We continue to have serious concerns about the sustainability of the public exchanges," he said.

Aetna will continue to work with HHS and lawmakers to try to make the exchange program more sustainable, Bertolini said. Otherwise, he said, the government may end up with an exchange program that looks like a "Medicaid plus" program for people with health problems and the working poor.
 
I recall some very astute experienced agents on this forum saying the same thing as the Aetna CEO below:

Aetna's good news: Is it good for you? | LifeHealthPro

The most interesting part of the article for me was this:
"2. No one is talking about agents and brokers.
Executives at Anthem Inc. (NYSE:ANTM) and UnitedHealth Group Inc. (NYSE:UNH) said nothing about producers during their earnings calls.
Aetna executives followed that same pattern."

Crickets

"3. The private exchanges are facing problems of their own.
Aetna executives may not have mentioned agents and brokers, but they did mention private exchange programs, in a non-flattering way.

The take-away for traditional agents and brokers may be that Aetna still does not seem to want to think about brick-and-mortar producers, but it has not found a simple, effective way to replace producers with either public or private exchange programs."

Not a shock we already knew this I'm just surprised they would allow someone to admit it in writing.
 
February 4, 2016

Total Obamacare enrollment on 12.31.2015 stood at 9.1 million. By 12.31.2016, it's expected that 10.2 million will be enrolled in an Obamacare plan.

The government spent $50,000 of our tax dollars to acquire each of the 1.1 million additional enrollees!

If Uncle Sam paid agents $50,000...or even $5,000 for each new enrollee, how many would we get? More than 1.1 million I'm sure!

Ref(1): Final Obamacare Enrollment Hits 12.7 Million, U.S. Says - Bloomberg Politics

Ref:(2): ObamaCare: $2 Trillion In Spending, $643M In Taxes, Insurance For $50k a Head - Breitbart
ac
 
AC, you are being way too logical. Do you think the folks in DC really care about acquisition costs?
 
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