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I have noticed that amongst some agents on this forum there seems to be a virulent defense of HSA plans. Even to the point of implying that clients are being ripped off unless they purchase one.
Whilst I can see the obvious value of these plans, they do not fill the needs of the majority of my clients.
I do not profess to be a writing machine or a super duper agent. However, I have always been one the top 5 producers in any company that I have worked for.
I have explained the benefits of the HSA plans to so many prospects that I have lost count. I have pointed out the benefits and savings of the HSA, including the tax angle, but in most cases I may as well be banging my head on a wall.
Less than 10% of my book are on an HSA plan.
The co-pay plan reigns supreme in Texas, even if it costs $200 a month more, people want the doctor visits covered.
Even if they rarely go to a doctor, they want the visits covered.
Even if they have no kids, the want the visits covered.
Even though the HSA is cheaper (and in my opinion the better value) people still want co-pays.
Bottom line: Give them what they want, and are comfortable with; you are not “ripping them off”
Whilst I can see the obvious value of these plans, they do not fill the needs of the majority of my clients.
I do not profess to be a writing machine or a super duper agent. However, I have always been one the top 5 producers in any company that I have worked for.
I have explained the benefits of the HSA plans to so many prospects that I have lost count. I have pointed out the benefits and savings of the HSA, including the tax angle, but in most cases I may as well be banging my head on a wall.
Less than 10% of my book are on an HSA plan.
The co-pay plan reigns supreme in Texas, even if it costs $200 a month more, people want the doctor visits covered.
Even if they rarely go to a doctor, they want the visits covered.
Even if they have no kids, the want the visits covered.
Even though the HSA is cheaper (and in my opinion the better value) people still want co-pays.
Bottom line: Give them what they want, and are comfortable with; you are not “ripping them off”