e123

Another great share Brendan M.! Smart carriers use targeted consumer marketing to create demand for their best products.

MEDICARE MARKETING RULES KEEP GETTING STRICTER Carriers are entering a new phase of regulatory pressure where CMS is tightening the rules andenforcing them. And for health insurance carriers, this means greater responsibility for how agents market, communicate, and advise members. NEW REQUIREMENTS ARE RESHAPING AGENT BEHAVIOR This intensified oversight of marketing practices protects members from misleading or high-pressure sales tactics. The changes are clear and so are the expectations. ‣ Standardized commissionss prohibit marketing incentives beyond base rates ‣ Disclaimers are required at every step, making it clear to members who agents represent ‣ Sales calls must be recorded and stored for ten years, including those for renewals and plan inquiries THE SHIFT FROM GROWTH TO STEWARDSHIP While these updates penalize overly aggressive marketing, they also challenge carriers to find new ways to support agents and ensure compliance. Gone are the days of offering advances for lead generation or bonuses tied to new enrollments. Policy persistency is now the long game. CONCLUSION Carriers that adapt quickly and help their agents navigate these changes will preserve trust, reduce risk, and lead the way in compliant, member-first marketing. Compliance protects brands and it’s not just a box to check. e123’s solutions make it easier to support agents, reduce compliance risk, and create audit-ready transparency across your entire distribution. Let’s talk. #MedicareMarketing #CMSCompliance #HealthInsurance #AgentOversight #FMOs #e123 #DistributionManagement

We're proud to partner with Careington International Corporation to help drive smarter, faster growth across health insurance distribution. Together, we’re streamlining operations and empowering agents to better serve their members.

IMAGINE EVERY AGENT HAVING THEIR OWN DIGITAL ASSISTANT What if every health insurance agent had a smart, reliable teammate ready 24/7, one that remembers every plan detail, simplifies compliance, and answers questions instantly? This is the future of agent enablement, and it’s already here. BEYOND A DATABASE Legacy tools often overwhelm agents with static data. But a true digital assistant transforms information into action. It provides real-time plan insights, flags compliance risks, and guides conversations, all within an agent’s workflow. WHAT AGENTS GAIN WITH A DIGITAL ASSISTANT ‣ Quick answers to complex questions on plan comparisons, eligibility, and benefits. ‣ Automated compliance checks that help avoid common pitfalls. ‣ Personalized guidance tailored to the agent’s selling style and client needs. THE FUTURE OF ENABLEMENT Carriers looking to scale smarter must consider more than just onboarding tools. Digital assistants empower every agent to work with confidence, speed, and accuracy, like having a top producer by your side at every step. TAKE ACTION NOW Reimagine agent support with smarter tools. Talk to e123 about helping your team win with compliance, speed, and trust. #AgentEnablement #DigitalAssistant #HealthInsuranceTech #FMOs #IMOs #Insurtech

Medicare Advantage is undergoing a major correction as 18+ carriers are exiting markets, and over 1.8M members will be impacted. As margins tighten and regulation increases, smart carriers are turning to technology to enable broker efficiency and drive targeted growth. Thank you for sharing this invaluable information, Michael Engert! #MedicareAdvantage #HealthInsurance #DistributionStrategy

Healthcare is local and so is your growth strategy. Our President, Brendan M.'s latest post defining Strategic Revenue Management (SRM) explores how carriers can use Local Relative Market Share (LRMS) to focus on where you should invest, lead in the right markets, and drive profitable growth. ➡️ Check out our Strategic Revenue Management whitepaper: https://xmrrwallet.com/cmx.plnkd.in/g7GDuEfy Stay tuned for our next steps on successfully implementing SRM within your organization.

Imagine Artificial Intelligence (AI) that supports your agents and staff. What if AI didn’t replace your team, but made them stronger, faster, and more confident? AI AS A COACH, NOT A REPLACEMENT In health insurance distribution, AI is not about replacing agents and staff. It's about empowering them. AI tools can: ‣ Handle routine inquiries, freeing agents to focus on complex cases. ‣ Provide real-time insights during customer interactions, enhancing decision-making. ‣ Offer personalized coaching, helping agents refine their skills and improve performance. BUILDING TRUST THROUGH TECHNOLOGY AI enhances the capabilities of your team, allowing them to provide better service and build stronger relationships. By automating administrative tasks and offering data-driven insights, AI enables agents to focus on what they do best: connecting with people. THE FUTURE IS COLLABORATIVE Embracing AI doesn't mean sidelining your staff. It means giving them the tools to excel in a rapidly evolving industry. By integrating AI thoughtfully, you can enhance productivity, improve customer satisfaction, and drive growth. READY TO EMPOWER YOUR TEAM WITH AI? Let’s talk about how e123 can help you bring supportive AI to your agents and staff. #HealthInsurance #AIinInsurance #AgentEmpowerment #InsurTech #FutureOfWork

Massive shifts are coming to the ACA marketplace—and agents need to be ready. At Trump, Oz, and You: How Technology Can Help You Compete in an Ever-Changing World, we unpacked the ripple effects of expiring subsidies, shortened enrollment windows, and disappearing navigators. 🔍 Key takeaways: 📉 The Inflation Reduction Act subsidies—capping premiums at 8.5% of income—are set to expire. 🕳️ That opens a coverage gap affecting both low- and higher-income groups. 🩺 Unsubsidized consumers may be priced out of gold/silver plans, leading to bronze plans + hospital indemnity combos. 📆 Enrollment periods for ACA and Medicare Advantage are overlapping—agents will have as little as 8 days to help ACA clients. 🚫 Navigator funding is dropping from $500M to $10M. Brokers are no longer a fallback—they’re the frontline. 💡 This moment is a test of agility, empathy, and execution. The agencies and carriers that simplify policy selection for agents—and give them tools to support households across products—will win. Those who ignore these shifts? They risk irrelevance. Let’s stop waiting on Washington. Let’s start enabling agents. #ACA #HealthcarePolicy #HealthInsurance #IndependentAgents #OpenEnrollment #InsuranceMarketplace #MedicareAdvantage #InflationReductionAct #CoverageGap #BrokersMatter #HealthcareAccess #PolicyChanges #InsurTech #AgentSupport #HealthPlans #InsuranceIndustry