Health Insurance Exchange

The rules for health insurance markets are dynamic and changing all the time. Some officials fear that could replace this exchange, on the road Travelocity moved many travel agencies. Others argue that because health insurance is much more complicated than buying a plane ticket, and he gives because consumers tend to be confused by these new channels of our experience and advice will be even more crucial.

Hopefully the agent's role has become clearer over time. Meanwhile, here's a preview of what we know about health insurance and exchange of know-off.

Health Insurance Exchange: A Definition


A health insurance exchange is a marketplace where individuals and small businesses to buy, compare and buy health insurance. Think of it as Expedia or Travelocity for health insurance. No need to use an exchange, there is an additional channel with the given market.

Some states, including Colorado, where he established a Group Alliance Insurance to take the initiative in its own market, which by federal law, but subject to certain guidelines have permission to build. States that choose not to create their own bags in 2014, required the Federal Trade can be used.

States to strengthen their own bags usually indicate a desire to control their own destiny and to adjust their exchange rates to the needs of local people. Mention the countries that rejected the proposals for change, often, their dislike of each aspect of the law of the federal reform, which they hope will be repealed by the Supreme Court in charge.

In general, insurance exchanges may allow consumers and small businesses to


Shop for and compare health plans, which must include certain benefits standard.
Dcide tht eligibility for premium relief in the form of tax credits.
Call or sit down with someone helping to explain various benefits and plan features.
Enroll in a health insurance plan.

Next are some of the most relevant aspects of the health insurance exchanges for independent insurance agents.


Consumer Access to the Agent

The National Health Insurance (Nahu) Contact lobbying for the inclusion of an option for agents online system trading. "It could be similar to the national site to sell the home, the information presented in a standardized format announcement be made, but it connects potential buyers with a state licensed real estate agent.

The Certification Importance

Nahu believe all agents should be required to participate in the exchange, an annual review of private insurance, public assistance or subsidies allow options to be passed to all the options available for addressing coverage of consumer confidence. This knowledge is for the agents and persons who fulfill the important role that the new "healthcare browser." Navigator to help federal agents to obtain public information, dissemination of information on enrollment and premium credits, and provide assistance in the registry. Browser Nahu believes that the role of double agents and questioned the wisdom of federal funding for these positions. However, when browsers are used, they should require a license to the same rigor and continuing education requirements for agents.

Limits of the Marketing and the Comission

There was talk of restricting the marketing activities of commission agents and activities in relation to their trade, which has decided not Nahu. The reason for this is that the above advantages for these stresses Medicare does not apply here at all. For companies under 65 years of health insurance market and small, prospective customers often want the agents to provide additional information on life, disability, dental and other benefits package for employees of the typical social relations, in a session.

With regard to fees, we believe that this should be determined by private insurers, as they are today. However, health plans have begun and the Commission in response to other aspects of health reform, including cutting administrative requirements facing medical loss ratio. The best insulation against the Committee of the cuts is to join a general agent (MGA), which is the sales activities of many agents, insurers build a high turnover.

Will Trade really help?

It 's safe to say that "the jury is out" on the subject.

Do the rewards of a lower category?

The answer depends on how structured risk groups. Some argue that the separate pool for the individual in relation to small businesses, the most beautiful that the improvement in risk premiums on these two very different markets. Others say that the combination of risks across a broader-based pool that extended help to reduce prices for everyone.

Can the exchange improve the overall health of the population?

The hope is that, among other things, reduce the margin of costly emergency room visits, once the highest percentage of citizens are covered. Others argue that these plans are also doubts low-benefit/high-deductible treatment or prevention, acute, also absolutely necessary to look up. If the exchange, to improve the shopping experience for health care? Maybe. In theory, the orientation of the benefits of "apples to apples" should go shopping easier than one might gather around a lot of plans that are double indistinguishable blur and confuse consumers.