- 6,071
War on agents
- Thread starter SamIam
- Start date
- 6,071
Start you a Home Based Business and be able to report the minimum Income required.
It would still cost a fair bit for a fake home business's self employment taxes and ACA even at the lowest premium with the out of pocket - that would have still eaten up a good chunk (not to mention living expenses - with the chemo killing almost all of my bone marrow I couldn't work for a while - fortunately for me it recovered). But this is all water under the bridge and in the past.
ACA provides guaranteed insurance. Healthcare is different.
- 6,495
ACA provides a government subsidy to private insurers which has allowed premiums to skyrocket thanks to Odumba.
I'm talking single payor healthcare, cut out the private insurers, completely.
AgentGeneral
Guru
- 508
No disrespect but that bolded section, isn't quite accurate.
In 4th yr now and my phone is blasted daily, for everything from needing help with LIS, to help finding a doctor, to minimum 4 solid referrals a week. The phone rings every day, 7 days a week with questions. Even Sundays up to 8pm and some cases later.
Youre correct in the assumption we shouldve seen this coming. I see it and have from day one. DSNP will be the 1st on the chopping block as far as commissions go.
AgentGeneral
Guru
- 508
It does? Couldve fooled me. I see many people who fall into the crack that is somewhere between medicaid and a subsidy without fabricating income.
maybe "guaranteed insurance for a portion of the population" would be better worded?
AgentGeneral
Guru
- 508
I do think we will have to pivot and change and there is a direct hit coming. Weve already seen some of that (Wellcare, Anthem, even Michigans HAP a plan or two went non commish, PDP) Not sure it will be a Tsunami.
I know it's normal for weeding of plans and making non commish.
Its a bit reminiscent to ACA. In this case it might be more like a wake up and it's gone situation, with little warning, just what we see now. With ACA we knew long before it happened that the marketplace Obummercare was coming. In the beginning, everyone at our office was in denial. "Oh it won't happen", kind of like some agents in here now on the demise of MAPD commish.
In a perfect world, DSNP would be axed. I think it's bs anyway. Food stamps should be DHS.
Marketing $, ok? Bye, can live with that too.
Override, ok can live with that too. I get a good bit of override now, but who wouldnt rather that go before all of commish, period.
Look, its insurance. We didn't get into this biz for major stability. The flexibility and money was a deciding factor. Nothing lasts forever, but at least most of us are flexible and can pivot. And most of us should have enough saved to make the pivot easier. IF/When
I know it's normal for weeding of plans and making non commish.
Its a bit reminiscent to ACA. In this case it might be more like a wake up and it's gone situation, with little warning, just what we see now. With ACA we knew long before it happened that the marketplace Obummercare was coming. In the beginning, everyone at our office was in denial. "Oh it won't happen", kind of like some agents in here now on the demise of MAPD commish.
In a perfect world, DSNP would be axed. I think it's bs anyway. Food stamps should be DHS.
Marketing $, ok? Bye, can live with that too.
Override, ok can live with that too. I get a good bit of override now, but who wouldnt rather that go before all of commish, period.
Look, its insurance. We didn't get into this biz for major stability. The flexibility and money was a deciding factor. Nothing lasts forever, but at least most of us are flexible and can pivot. And most of us should have enough saved to make the pivot easier. IF/When
Some =/= guaranteed.
Healthcare and health insurance are often conflated in these conversations. The previous statement was correct. For many with ACA they have health insurance but due to the fact that the ACA simply transferred coverage from the middle to low income classes.
The only thing ACA guarantees is coverage, not healthcare.
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