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New People Are Signing Up For Marketplace Coverage

In the insurance industry, we all know that the main reason to purchase health insurance is because we’re unable to predict the future. Unexpected and potentially catastrophic injuries and illnesses do happen, and when they do, people with health insurance tend to fare much better financially than those without.

The Affordable Care Act (ACA) created some additional incentives to purchase health insurance:

  • Plans are guaranteed issue, meaning your clients can’t be turned down.
  • Pre-existing conditions are covered with no exclusions, waiting periods, or surcharges.
  • Premium tax credits help people with incomes up to 400% of the federal poverty level pay their monthly premiums.
  • Cost sharing subsidies reduce the out-of-pocket exposure for those with incomes below 250% of the federal poverty level.
  • Essential Health Benefits ensure that today’s plans meet people’s needs.

Yet, some people dismiss all of these great reasons and choose instead to remain uninsured.

The Medical-Dental Connection

As a general rule, people don’t like health insurance. It’s confusing, the premiums are difficult for many people to afford, and those without serious or chronic conditions may never hit the deductible, reducing their perceived value of the plan.

Most people do, however, like dental insurance. For them, dental coverage gives them the possibility of healthy, attractive teeth, and that can have a big impact on their self-esteem. Just do a quick Google search for “nice teeth self-esteem” and you’ll find a plethora of articles that discuss a connection between a person’s oral health and their general well-being. An article in Mental Health Matters puts it this way: “Our teeth can influence how we look, speak, eat, chew, taste, socialize, and enjoy life. If you have a healthy mouth, you are more likely to have greater self-confidence.”

For these reasons, a lot of people are happy to invest in dental insurance. It’s a tenth of the price of health insurance, provides more first-dollar benefits than most health plans, and can have a big impact on a person’s quality of life. If you’re not offering health insurance to those who ask you about it, you’re missing an opportunity and may be doing a disservice to your clients. Fortunately, AHCP has a number of dental options if you’d like to add them to your portfolio.

One Last Political Update (for now…)

What a crazy summer it’s been for the health insurance industry. Since it appears the “repeal and replace” efforts are done — for now, anyway — we thought we’d provide a quick recap of what happened and, more importantly, what didn’t’ happen. We’d also like to take a look at what happens next. After all, we’re entering the Open Enrollment period for the individual market, and this one promises to be unlike any we’ve seen before.


With all of the news about the CSR (Cost Sharing Reduction) payments, which President Trump halted on October 12, your clients are probably asking you to explain what exactly happened and, more importantly, how it affects them. It’s easy to understand why they might be confused—this is a political issue, so many of the reports on the topic are one-sided arguments from people who may have their own agenda.

Here are a few talking points that will help you explain the issue to your clients.

Does your computer autocorrect HSA? Here’s the fix.

As the number of Health Savings Accounts has increased in recent years, agents across the country have become increasingly frustrated with the way their computers “autocorrect” the letters “HSA,” converting the acronym to an all-cap version of the word “HAS.” It’s annoying, isn’t it?

Some people attempt to overcome this built-in Microsoft Office glitch by hitting backspace a few times and typing “HSA” a second time. When you type the same thing two times in a row, Office seems to realize that you actually meant to spell it the way you did. Other brokers will leave a space between the letters, so it becomes H S A in your emails and other writings. Still others will put a period between each letter: H.S.A. That sort of makes sense since “HSA” is short for “Health Savings Account,” so putting dots between the letters is technically correct. The problem, though, is that there are a million acronyms in the insurance industry, but we don’t normally include periods when writing them.


It’s now been a year since the 2016 presidential election and nearly ten months since inauguration day. By now, most of us expected major portions of the Affordable Care Act to be repealed and thought the individual mandate would be one of the first parts to go. That hasn’t happened, of course, which means that our clients are still required to purchase health insurance or face a penalty under the ACA’s shared responsibility provision.

In short, the individual mandate requires people to:

  • Have “minimum essential coverage” each month of the year (from a group or individual policy or from a government program like Medicare or Medicaid),
  • Qualify for one of the many available exemptions, OR
  • Make a shared responsibility payment when they file their taxes if they don’t’ have MEC
Using Headlines to Sell More Insurance

In previous articles, we’ve talked about the power of social media to generate leads and stay in touch with clients and prospects. Specifically, we’ve explained that content marketing, in which you share some valuable information in a way that doesn’t sound too salesy, can be especially effective at maintaining interest and creating likes and shares.

In addition to providing helpful information to your clients, there’s another reason to share current news stories: it can help you sell more insurance. This works best when you find a news story that directly relates to a solution you have available. Here are a few examples.

Final Expense: Something Everyone Needs

They say the only two things in life that are guaranteed are death and taxes, and since most of us aren’t CPAs, we should probably focus our attention on the former rather than the latter.

Hopefully, you’re already selling life insurance. If you’re not, there are three good reasons to consider it:

  1. Your clients need it.
  2. If you don’t recommend it to your clients, chances are nobody else will.
  3. The commissions are great.

Life insurance, of course, isn’t for people who die but rather for the loved ones who outlive them. It helps to replace some of the lost income from the person who passes away and helps beneficiaries preserve their current lifestyle.

It’s Selling Season! Here are a Few Reminders.

As you can probably tell, we’re pretty excited here at America’s Health Care Plan. We’re entering the fourth quarter, and very soon the busy time of the year in the Individual, Medicare, and Group Health markets will be upon us. It’s a time of great opportunity, especially this year, so we wanted to offer a few pointers to help you maximize your time and, therefore, your selling potential. We hope you can find a nugget or two in our words that will help your business.

Are you selling dental? You should be.

In the weeks ahead, you’ll be visiting in person or by phone with almost every one of your clients and prospects. That means that you have a great opportunity, with a slight adjustment to your normal sales pitch, to increase your income substantially while offering a great benefit that both individuals and employers will be interested in.

We’re talking, of course, about dental insurance. Do you make a habit of showing it during your sales presentations? If not, now would be a great time to start.