HealthCare.gov is supposed to be a web-based supermarket for a financial services product that sells itself — heavily subsidized private health insurance.
In reality, agents and brokers accounted for about 44% of the people who got covered through HealthCare.gov this year, according to a slidedeck prepared by the Center for Consumer Information and Insurance Oversight (CCIIO) and obtained by Health Agents for America (HAFA).
CCIIO is the arm of the Centers for Medicare and Medicare Services that runs the commercial health insurance-related programs created by the Affordable Care Act, including HealthCare.gov. HealthCare.gov runs ACA exchange plan programs for states that are unwilling or unwilling to run their own exchange programs.
HAFA is a Baton Rouge, Louisiana-based group that focuses on serving agents who are still doing their best to be active in the individual major medical insurance market.
The individual major medical open enrollment period for 2020 coverage is set to start tomorrow in most of the country and run until Dec. 15.
One question has been: Given all of the startup problems HealthCare.gov had in 2014 and 2015, and the hostility of the administration of President Donald Trump to the ACA, have agents really been selling a noticeable amount of individual major medical insurance?
The CCIIO slidedeck shows that producers have been helping many people below Medicare eligibility age get covered.