Tornado Alley (PROG)

[3Saints]

None...the policies being cancelled were the result of:

1/ Someone exhausting COBRA and being unable to obtain ongoing coverage. Although not advertised...each carrier was required to offer such policies....at least here in PA...I can not speak for other states. The agent could not obtain plan info/pricing...a good agent would make sure their clients knew how obtain this coverage. Contrary to your belief...the agent works FOR the client...we often have all their other insurance...we provide service a Navigator simply can not. We could advise our client...but...these policies were direct purchase by consumer...companies did not pay commission on these because they were almost guaranteed to create losses year after year.

2/ Guarantee isssue plans for those that had gap in coverage and pre-existing condition...OR...those that never had coverage. As above...these were issued directly by the carrier...typically by the local Blues carrier. Premiums were typically double a medically underwritten plan...but better than nothing.

IF Obamacare works...both of these groups should be able to obtain cheaper coverage even without subsidy. That is a huge NEW market for agents....a group that was previously non commissionable.