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Joined 1 year ago
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Cake day: June 13th, 2023

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  • I made the jump about 2 months ago for the same reasons you’re considering. My job also being very similar in usage to yours. Literally 0 issues so far, couldn’t be more satisfied that I made the jump. I went with mint and there was basically zero learning curve for me coming from w10.

    Do it.

















  • It’s victim blaming to suggest someone should make an informed decision when it comes to something as important as their healthcare?

    I’m copying from another one of my comments

    The tools exist. Google.com, brochures, carrier websites, policy documents, member portals, physical packets snail mailed to their house. There are multiple ways to look into the things that are being offered to you, and multiple ways to review the policy after the fact. My favorite type of prospect is someone that has done their research, knows what they want, needs me to answer a few basic questions, and assist them in submitting an application.

    I’ve never offered a client a policy that was not a good fit for them. It screws them over and makes my job harder. Agents have to be licensed to offer policies, with a 20 hours continuing education course every 24 months, annual ACA compliance certifications, $1 million error and omission insurance. There are also very accessible avenues to report bad actors, and complaints are taken very seriously by the department of insurance. I wish the police had as much scrutiny to to wear a badge as health agents have to carry a license. Nobody is in this career to fuck people over, it’s too easy to lose your license and your livelihood.

    The whole issue of “junk plans” is completely overblown. I said it in a previous comment, this change isn’t to protect consumers, it’s to eliminate the ability for healthy people to go with anything other than employer or ACA coverage (which both happen to be offered by the same carriers btw). The marketplace carriers NEED healthy people to start buying plans, otherwise the whole thing is going to fall apart. There’s just currently way too many claims in proportion to the total number of insured. The carriers cannot survive this much longer.


  • The tools exist. Google.com, brochures, carrier websites, policy documents, member portals, physical packets snail mailed to their house. There are multiple ways to look into the things that are being offered to you, and multiple ways to review the policy after the fact. My favorite type of prospect is someone that has done their research, knows what they want, needs me to answer a few basic questions, and assist them in submitting an application.

    I’ve never offered a client a policy that was not a good fit for them. It screws them over and makes my job harder. Agents have to be licensed to offer policies, with a 20 hours continuing education course every 24 months, annual ACA compliance certifications, $1 million error and omission insurance. There are also very accessible avenues to report bad actors, and complaints are taken very seriously by the department of insurance. I wish the police had as much scrutiny to to wear a badge as health agents have to carry a license. Nobody is in this career to fuck people over, it’s too easy to lose your license and your livelihood.

    The whole issue of “junk plans” is completely overblown. I said it in a previous comment, this change isn’t to protect consumers, it’s to eliminate the ability for healthy people to go with anything other than employer or ACA coverage (which both happen to be offered by the same carriers btw). The marketplace carriers NEED healthy people to start buying plans, otherwise the whole thing is going to fall apart. There’s just currently way too many claims in proportion to the total number of insured. The carriers cannot survive this much longer.


  • When a person falls ill, they have no time/energy to seek out the highest quality/most cost-effective hospital or healthcare professionals. They turn to the one that is closest by and specialised in their ailment.

    I’m not referring to issues that require immediate attention. Of course if you need to get something taken care of right away you can utilize the public health insurance to get that taken care of.

    In addition, with the type of system I suggest, there wouldn’t be a need to “price shop” as the market would drive prices down and determine a standardized cost of service. If you get sick and go to a doctor and get charged some price that is above market standard, you’re sure to remember that and go to a different facility the next time around.

    These services do not need to make a profit, precisely because profit seeking takes away the investment capacity.

    I am of the firm opinion that health insurance carriers should be not-for-profit companies. That also goes for hospitals and other types of health facilities. I definitely agree with you on this.