How to Sell Obamacare Insurance? We explain it to you in 4 steps.


How to become an insurance professional and sell health plans (Obamacare) subsidized by the Federal Government?

Before We Begin Our Article, We Must Define What It Is Wrong To Say: Sell Obamacare Insurance, Since Obamacare Is Not Insurance. What happens is that it is possible for you to say it this way, since it is the well-known, most popularly used form.

Obamacare is not insurance, it is an option established in the health care law that subsidizes the health plan that the client wishes to buy.

The medical insurances that exist are the same plans of the different insurers that you have always known.

If you heard about names of insurance companies such as Blue Cross And Blue Shield, Cigna, Coventry One, Molina HealthCare, Humana, Ambetter, etc., these are the same as they have been offering them for decades, since many of them have been on the market.

The new thing and that has had a lot of acceptance, is to buy one of those health plans and not have to pay the $ 300, 400 or 500 that were paid for an insurance policy, and that is where for an application with the federal government you can get A Subsidy And Pay Only For Your Health Plan Fees As Low As $ 50 Monthly And In Other Cases Nothing.

Said Subsidy You will have already realized that it has a close relationship with the tax return, the taxes, of each year.

4 Steps to Start Selling.

How to report and sell health insurance, federally subsidized health plans?

STEP 1: Become a Certified Insurance Agent: To become an insurance agent, you must first pass a pre-license course at an insurance school certified by your state. In this case we have our approved insurance school in the state of Florida. This Step Is Not Optional, It Is Mandatory.

The States understand that a course of this type would allow you to learn about the industry and know the different terminologies, which allow you to carry out your work as an insurance agent in a successful way. Therefore, the school must have a license for that, as well as the different courses offered.

In this case, the 215 license (life, health and annuity insurance) so as not to stop telling you what your options may be, in fact, to sell Obamacare you do not have to have the 215 license, but you can only examine the 240, which is insurance Health. But It’s A Shame You Make The Effort To Pass The Pre-License Course And Then Examine Only The 240 Health Insurance.

This We Tell You By The Fact That The Pre-License Course Is Complete That Is To Say The 215 Life, Health And Annuity Insurance License, In Any Way It Is Oriented To The 3 Licenses, BUT YOU ARE THE ONE WHO DETERMINES WHAT YOU WANT TO EXAMINE AFTER WITH THE STATE.

What Does It Mean That After Completing The Pre-License Course Which Is General And If You Decide To Examine Only The 240 Health Insurance, THEN YOU CANNOT EXAMINE THE 215; You Have To Take The Pre-License Course Again When At Once You Can Examine All Of Them And Use The Same Course.

After School And Pre-License Course 215 Of The 60 Hours, You Can Take The Exam With The State. As part of the examination process, you must fingerprint yourself and determine that you are morally eligible to become an insurance agent.

Of course, all of this if you have the established requirements, have Social Security, are over 18, have a minimum work permit and reside in the state.

Therefore By Obtaining Your License As A Health Insurance, Life Insurance And Annuity Agent (License 215) You Are Not Only Certified To Sell Obamacare, But All Other Medical Insurance Offered By Those Insurers Mentioned Above.

Many of them do not necessarily offer their health plans through the insurance marketplace, which is where the client must apply and buy Obamacare, in this case via an insurance agent.

In addition, it also includes the license, the possibility of selling life insurance for example and Medicare plans, although this may be the subject of another article. The essence is that you would be prepared to offer several products that are in demand and that can make a qualitative leap in your income level possible.

Congratulations! You already have a license as a health insurance agent, life insurance and annuities (license 215), but unfortunately you still cannot sell Obamacare insurance …… ..Keep reading, do not be intimidated, it is not difficult…

STEP 2: Obtain the approval of the insurance companies: If it is true that you made a great effort and managed to obtain your license as an insurance agent, at the end of your exam, but you are not yet ready. You must obtain the approval of the insurance companies of the products that you are going to offer (medical insurance, life insurance), the so-called «Appointed»

But It Is Relatively Easy. You can do it yourself by contacting each of the insurers, although there are some that do not allow it, others do. But the quickest and most effective way is to join an already established insurance agency, since you have the approval (Appointed) of said insurers and just by filling out several contracts you resolve that you are admitted in each one of them.

STEP 3: Obtain Your National Producer Number: Indeed, You Already Have Your Insurance License, You Are A Certified Agent, You Are Already Admitted To The Different Insurance Companies, But There Are Two Important Steps To Get To Sell Obamacare Insurance.

One of them is to obtain your National Producer Number or NPN, which is unique and important to identify you when selling health insurance. It is not difficult, it is just a procedure and the fact of being within an insurance agency enables you to be helped in that process.

STEP 4: Take The Exam And Certify Yourself To Be Able To Sell: Another Exam! Hehe If Another Exam … You Are Already Certified Insurance Agent, You Have The Admission Of Medical Insurers, You Have Your National Producer Number, BUT The Federal Government Needs To Know If You Really Know The Health Care Law And If You Can Be Prepared To Sell Obamacare Insurance.

This Is Another Advantage Of Being Represented By An Agency. Since the agency can help you in that process and work with you to open your account on the official CMS website and take the exam.

Everything Is Via Internet, You Don’t Have To Go Anywhere And From The Comfort Of The Computer You Can Achieve The Goal Of Being A Not Only Licensed Insurance Agent; But Certified To Sell The Federally Subsidized Health Plans, Better Known As Obamacare.

You see that it is not difficult! That if you put your mind to it, you can make it to the end. You Can Be In The Presence Of One Of The Highest Paying Professions In The United States. And the most interesting thing about the case is that every year you can “get” the best health plan, with federal subsidy to your clients. 

It only remains for you after this process, to know how to proceed with the applications, which is the insurance market and to train yourself in each of the procedures that you would have to use with each client and carry out your application for Obamacare.

In this case also be represented by an insurance agency; It Is The Right Way To Receive All The Help You Need To Be A Successful Insurance Agent.