As far as agent commissions ,overrides ,marketing money thats all speculation as we don't know what happens in 2026. But a few things we know will happen and it's important to start preparing for it . #1 we know with pretty much certainty UHC the biggest will term a lot of areas and plans along with some other carriers.They took on a lot of sick people and will exit some of those areas . #2 I foresee big commission suppression of plans as carriers that are "open for business " get flooded with plans and must control the vol . Many people are expecting much more chaos than last yr . I think several smaller regionals and perhaps small national players could exit the mkt .I believe carriers will take that extra money Trump is giving and use to shore up profit margins big time . That said 2027 should be much better and hopefully the agent will still be relevant in selling it .
None of us know what will 100% happen aep but we do know a few things will happen
- Thread starter DonP
- Start date
2026 the Joe Biden induced hard market will continue, but it won't be as bad as 2025, as the Trump administration has already taken, and will take more steps to soften up the market.
The world is not coming to an end, unless you are a complete hack agent that pretends to be a high volume rain maker.
By the 2027 season, the bull market in Medicare will resume. Hopefully the hacks will be flushed out by then.
The world is not coming to an end, unless you are a complete hack agent that pretends to be a high volume rain maker.
By the 2027 season, the bull market in Medicare will resume. Hopefully the hacks will be flushed out by then.
2 Big assumptions on above statements. The American public want these gangsters put in prison. These companies will not walk away from their massive fraud on the American taxpayer.
Think many are reading the tea leaves completely wrong . Don't dismiss all of the pending federal investigations.
The American people want heads hanging.
Think many are reading the tea leaves completely wrong . Don't dismiss all of the pending federal investigations.
The American people want heads hanging.
Joey's out on the ledge again.
MedicareWAA
Guru
- 626
Don't confuse Don's confidence with Don knowing what he's talking about. SMH
Bro, it'll be fine.
Bro, it'll be fine.
- 1,235
Nothing about fraud case gifting a jumbo jet can't fix.now a day it's all about who you know and how much you can pay
I mostly agree, but insurance companies ain't going anywhere.
We probably won't ever get back to where benefits were 3 years ago, where MAPD plans were giving the farm away to gain a customer.
And that's a good thing.
Dr Oz has even said that he wants plans to focus more on the core benefits, and get rid of the "noise" from the extra benefits.
And that's a good thing.
Plans will probably go back to where they were benefits wise, circa 2015 - 2018.
And that's a good thing.
Some people may want "heads to hang", but more people want the insurance. And you can't get insurance without the insurance company. Sure, there may be some theatre, but at the end of the day, the addicts are going to come back for more.
InsuranceThatFits
New Member
- 11
I'm not sure I'm following. What did Biden do to make it a hard market and what has Trump done to soften it. My business was fine during the Biden years and still seems fine so far during the first few Trump months.
I am not so sure about the bull market due to politics per say, however the population bubble of the boomers isn't ending any time soon. As a result there is still explosive growth in the t65 group and that will continue for a while until the baby bust generation.
