The health reform has brought new challenges and opportunities for health insurance brokers. What are the main challenges insurance brokers, agents against, and producers nationwide? 
Top 5 Challenges for Health Insurance Brokers
A recent broker survey found the top issues facing in 2014 Broker:
-
to influence decisions
-
rising health care costs client understanding the impact of health care reform
-
Remaining relevant
- [1945006benefitsoffers
-
customer view uncertainty about health care reform
we seek] diversify the top issues and discuss ideas for opportunities or solutions.
affecting1. Rising health care costs Client decisions
The rising cost of health care, the group health insurance premiums. The idea that just about every year increase premiums, is nothing new. Since the early 1980s, group health insurance costs are on the rise. But the overall effect is quite alarming. From 1999 to 2013, the annual power cuts, the costs for a single employee to cover more than of 2196 $ per year in 1999 to $ 5,884 per year in 2013, family coverage nearly doubled tripled without leaving $ 5,791 per year in 1999 to $ 16,351 per year in 2013
Many customers, especially small and medium employers can no longer keep pace with annual increases and seek more affordable health insurance solutions. Others have already dropped group health insurance, but they would offer health insurance, if they could afford it
Opportunity for Brokers .: offer diversified products to solve the cost challenges. One solution is "Pure" Defined Contribution of repayment of the employer employees for individual health insurance. Defined Contribution controls costs, helps broker to achieve a untapped market, and is a win for employers, employees and brokers.
2. to understand the impact of health care reform
Opportunity for Agents: persevere. diversify as commissions from major medical waste, Broker, the product lines and create a niche for yourself is to flourish continue.
3. Remaining relevant
Many brokers fear that the "self-service" nature of the Exchanges will make brokers irrelevant. However, exactly the opposite is true. find many reports that brokers more important than ever . employers and individuals are confused about health care reform and health insurance and to an increasing extent to brokers for expertise and consultancy turning
Opportunity for Brokers .: Stay relevant be an expert in more than major medical. Stay up to date on the health care reform, innovative cost-saving solutions and compliance. This helps current customer service, and promotes word of mouth referrals from satisfied clients.
4. diversification benefits Offers
With many new solutions are available, see the right solution, product and partners is a challenge -. But ultimately, the key to success
Solution: Do your research on solutions, products and suppliers. For example, if you know Defined Contribution research
5. customer uncertainty about health care reform
customers and prospects still feel uncertain about the health care reform. Much of this uncertainty arises from either financial reasons ( "how will health care reform impact our bottom line?") And / or lack of education ( "What are the new requirements under the law of the company?").
Opportunity for Brokers .: Brokers customers to these concerns by 1) bringing new cost-saving solutions on the table and 2) a consultant to navigate health care reform help
to brokers Are you with these top challenges? What is missing from the list?
Do you agree with the options? What would you add or change?
. Connect the discussion with a comment below
0 Komentar