There has been a great deal of concern expressed by the government regarding poor individuals and families who are unable to purchase health insurance because of the cost, or because insurance companies have denied them coverage due to preexisting conditions. The Patient Protection and Affordable Care act is supposed to remedy this situation at the expense of those who are healthier and wealthier. The goal is to force millions of citizens to pay more for their healthcare coverage, or bring them into "the system" for the first time, thereby increasing revenue to insurance companies in order to offset the potential financial burden of covering the outrageous hospital bills sure to be incurred by those who are seriously sick, ill, or diseased, as well as hypochondriacs.
It is no wonder that the media focus has been on the insurance companies, their plans, the pricing, the number of people who need healthcare ... there is so much to be concerned with, yet one integral piece of the puzzle has largely been overlooked and ignored: the agents who currently sell health insurance.
What affect, if any, does this healthcare overhaul have on the thousands of licensed health insurance agents across the country? What do they think about "Obamacare"? Does this help or harm them in any way?
Consider this scripture:
"Who ever goes to war at his own expense? Who plants a vineyard and does not eat of its fruit? Or who tends a flock and does not drink of the milk of the flock? ... For it is written in the law of Moses, “You shall not muzzle an ox while it treads out the grain.” Is it oxen God is concerned about?" Or does He say it altogether for our sakes? For our sakes, no doubt, this is written, that he who plows should plow in hope, and he who threshes in hope should be partaker of his hope." I Corinthians 9:7,9,10
Many insurance agents have been out in the trenches, working the fields, tending to their business, assisting their clients, working hard to feed themselves and their families, some with a hope and a sure direction for the future; however, with the implementation of the Affordable Care Act, and the subsequent changes made by the insurance companies in order to accommodate the government's requests/demands, licensed agents now find themselves in a living quagmire.
Please watch the attached short video of my struggles and confessions (as an independent licensed health insurance agent) regarding agent commissions, competing with the government (do they really want to put agents out of business?), the future of selling health insurance, and more. You'll be entertained while learning something new - guaranteed.