Knowing what lies beyond ACA empowers you. In today’s issue, you will gain the top 10 points to prepare you for this year’s ACA disruption, ideal market segments, and an edge that keeps clients loyal and your commissions rising in today’s diverse health insurance needs.
1. Three Types of ACA Alternatives
ACA alternatives fall into three core categories: affordable, limited, and comprehensive. To meet every client’s need, you’ll want a strong option in each.
2. Affordable Solutions Start Here
Fixed benefit plans are a strong starting point, designed to provide real coverage at a fraction of the cost. They offer significantly reduced premiums, giving you a competitive edge in today’s cost-conscious market.
3. What is a Fixed Benefit Plan?
These indemnity-style plans pay set dollar amounts for services like hospital stays, outpatient surgery, doctor visits, and prescriptions.
4. No Deductibles or Coinsurance
That’s right, typically most ACA alternative plans have no deductible or coinsurance, making them easier to close and fewer objections during the sales process.
5. Extra Value, Standard
PPO networks are typically built in, providing clients access to discounted rates with familiar providers. Combined with added services like telehealth, wellness benefits, and advocacy tools.
6. 40–60% Less Than ACA
With premiums often cut in half compared to ACA plans, these products are ideal for clients seeking meaningful coverage without the sticker shock. Lower monthly costs mean higher plan acceptance and stronger persistency.
7. Perfect for Certain Markets
Target young adults, gig workers, and healthy individuals who don’t qualify for subsidies or who are losing them during redetermination. These clients prioritize flexibility, savings, and simplicity.
8. Faster Sales with Easy Apps
Most carriers offer streamlined electronic applications, including e-signature capabilities. This reduces friction, accelerates onboarding, and positions you to close more deals in less time.
9. ACA Alternative Academy – Get Certified
Join us in Frisco this July or August for the ACA Alternative Academy where you’ll gain advanced sales strategies, product deep dives, and real-world scenarios to refine your pitch. It’s hands-on training designed to turn knowledge into production.
10. The Bottom Line for Agents
Understanding ACA alternatives is your key to building a scalable and resilient book of business. By staying ahead of consumer needs, using innovative tools, and offering modern solutions, you’ll grow stronger and more adaptable, no matter the market shifts.
