In the News

NAHU Calls On Congress To Remove Broker Commissions From The ACA’s Medical Loss Ratio

Posted: January 19, 2018

NAHU called on members to take action on our latest Operation Shout to ask Congress to support legislation to remove broker commissions from the ACA’s medical loss ratio. Yesterday, Senators Johnny Isakson (R-GA) and Chris Coons (D-DE) introduced S. 2303, joining Representatives Billy Long (R-MO) and Kurt Schrader (D-OR) who introduced H.R. 4575 last month. These bills would remove independent agent and broker compensation from the definition of “administrative expense” from the Medical Loss Ratio (MLR) calculation. The MLR regulation has caused carriers to reduce the commissions of agents and brokers, which has led to a reduction in consumer access to crucial services provided by insurance producers on a daily basis. Treating broker commissions as a pass-through expense will protect jobs and preserve the critical role of agents and brokers and ensure that insurers would be better equipped to compete in the marketplace.

NAHU has long advocated that the MLR should treat broker commissions as pass-through expenses for the following reasons:

• Commissions are set by insurers but not paid by the insurers. Commissions are paid by the client and passed through carrier to the agent. While carriers currently collect agent compensation along with the regular premium, these funds are passed directly to the broker.

• Commissions are paid to health insurance agents and brokers for the enrollment and on-going service they provide to consumers throughout the duration of their policy.

• As a result of agent compensation being included in the cost of MLR, brokers servicing the individual and small business markets are seeing their compensation slashed by as much as 50%.

• Individuals and employers across the country are relying on their health insurance agent to help them understand and comply with health reform for their business, their employees, and themselves.

• The MLR has caused serious harm to the insurance market as it has inhibited the number of insurers willing to write health insurance in the individual and small-group markets.

Contact your senators and representative. Send an Operation Shout today asking your member of Congress to cosponsor H.R. 4575 and senators to support S. 2303!


Awesome Media Coverage From Open Enrollment

Posted: January 19, 2018 

With the many changes during this year's open enrollment, NAHU has received great media coverage mentioning our association and members who have shared their experiences with clients, challenges they have faced and expertise on what marketplace changes that occurred in their state. Additionally, our social media analytics were amazing during the 45-day period. We welcome you to review this detailed report on our engagement rates, likes, retweets, link clicks, followers gained and impressions on both Twitter and Facebook.


CSAHU Launches New Statewide Website

Posted: Jan. 11, 2018

The Colorado State Association of Health Underwriters and its chapters statewide debuted a new website over the weekend that features an improved membership directory and other features including community forums and discussion circles that will promote member-to-member communication.

The website's URL remains the same:

CSAHU is communicating separately to members on how they can establish new passwords required to access members-only portions of the website. Those areas include the new member center, community forums, discussion circles as well as other resources. 

Members: You must be signed in to access these features. Not a member? Join us!

Please let us know what you think of the new site! Email us at [email protected].



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