5. Why Clients Choose the Private Market
Our clients come to us because ACA plans fail them in one of three ways:
- Cost: Unsubsidized ACA premiums can run $600–$1,200/month for a family. Our plans are often 50–70% less.
- Networks: 53% of ACA marketplace plans have narrow networks (McKinsey). Clients lose access to their preferred doctors. ACA plans are also typically state-wide coverage only — not nationwide — meaning clients who travel or move lose access to in-network care.
- Complexity: ACA enrollment is annual, confusing, and often results in surprise bills when clients do not understand deductibles and out-of-pocket maximums. A common trap: clients who make over the subsidy threshold but under-report their income receive the subsidy benefit upfront — then have to pay every dollar of it back to the IRS at tax time. This catches people off guard every year.
Our product — a fixed indemnity PPO plan through PALIC — gives clients predictable costs, broad network access through First Health LBP, and benefits they can actually understand.
|
Your Positioning You are not selling a lesser product. You are selling a fundamentally different type of insurance designed for a specific type of client. Know your client, know your product, and the fit becomes obvious. |