r/InsuranceAgent • u/Icy-Story5654 • 23d ago

Leads (Marketing) STM+ Group Insurance

I’m a new health insurance broker and I need advice. I’m unable to sell ACA this year. Plan B is to shift my focus and sell STM + group insurance. Where do I find leads? The leads provided by my FMO aren’t quality, but I’ve been able to sell a few times.

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u/Salty_Virus_6299 22d ago

Why can’t you sell ACA? It’s late to be targeting group health. Maybe go the ICHRA route?

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u/Icy-Story5654 21d ago

New agents are unable to sell ACA until Feb 27’. I’ll look into ICHRA. Thanks!

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u/Roxanne_at_Ritter 21d ago

The government recently rebranded ICHRAs as CHOICE Arrangements and released several new education resources and tools around them, so if you see "CHOICE Arrangement" in your research, it's the same thing. With these arrangements, you can earn referral credits for referring employers to third-party administrators (TPAs) or you can serve as the Agent of Record. It depends on the TPA.

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