Before exchange: Health agents had access to quote engines for all available plans with all companies. And we still do now. We can easily enroll clients in a very short time right on line with most companies. And if someone qualifies for a subsidy, we can use an online calculator to estimate that as well.
However, it is almost impossible for us to now enroll someone on the exchange because we have to go thru their enrollment portal.
YOU SPENT OVER 500 MILLION for the exchange and it doesn’t work. Just like auto, life and business insurance, agents are the best way to deliver it to customers and you have cut us out and now you see the problems. You spent money on Navigators and could have used agents who are already qualified. You will spend gov money on navigators.. Agents will not even come close to that cost. And we are paid out of the ins. company’s share…not the gov.
You could simply let us sign people up, calculate the subsidy and then let us send in via online or by mail a subsidy request that could be processed. Or let agents have a separate portal to enroll people. We could have saved so much time and this is what we are experts at already.
Buying insurance is a process and the exchange has everything set up backwards. Shop first, then enter the registration info after a choice is made. Any idiot could see how the quote engines were functioning online for these products before the exchange so why didn’t you at least attempt to use what was already set up rather than reinventing the wheel with out basing it on existing models.
If there is any way you could allow agents to enroll applicants in the exchange similar to the way we enroll them outside of the exchange, you would save money, make sure more people get enrolled, make sure people were given the proper advice for purchasing insurance, and speed up the whole process. And that includes making it an easier and better experience.
Also, Americans were told if they liked their current plans they could keep them. Right. Only for a year and then those plans have to end.
Location: Madison, WI USA