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True but with guaranteed issue you also have to keep in mind that the carriers are working day and night to go around the agents too. So it is not just a matter of people going to the exchanges.
In my state, most indivual enrollments are with Anthem and they are direct off their website or telephone sales. So if they have the exchange, probably at some point you can still show data that says that people purchased outside of the exchange. That doesnt however mean (in my state anyway) that it was through an independant agent.
The model I compare it to in my mind is AARP med supps. They are out there there on TV and through mailings gunning day and night to have clients enroll direct. The more business they get without agents, the better. However, they are still offering a pittance for a commission so if that works for the agent, then it works for them too. I expect health sales to be like that in the future and I expect to get involved but with more bounded expectations than those who are used to greener pastures. On the other hand, I am in a state that has no independent health agents except for some mega crap and some doing groups because the government killed them all off and Anthem closed contracts to outsiders. If I can get my share of the pie and someone else's (however small that may be) well, then, that's fine too.
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