Simply Health Insurance Agency

06/03/2026

One of my clients opened her renewal and her premium had jumped to the FULL price. No subsidy. She thought the marketplace made a mistake.
It didn't.
She fell into "failure to reconcile." She received APTC but never filed her 2023 and 2024 taxes. After two years of not reconciling, the marketplace strips the subsidy — and the client gets hit with the full premium.
Most of these clients got a notice. Most of them never read it.
Here's the part that matters for YOU as an agent:
✅ You can pull your at-risk clients inside HealthSherpa ✅ You can call them BEFORE the premium drafts ✅ Once they file and reconcile, you update the application to restore eligibility
Proactive agents keep their book. Reactive agents lose clients and trust.
This is exactly the stuff nobody teaches you when you get licensed — and it's exactly what I train my agents to handle.
🚀 Insurance Agents Wanted 📧 [email protected]📱 Call/Text: 210-972-9558 🌐 InsuranceAgentTraining.net
Learn ACA & Medicare sales. Get training, support & contracts. Build a book with renewals.
Are you currently selling ACA, or still thinking about getting started? 👇
your household at risk of losing financial assistance? Records indicate you or others received advance premium tax credits. This affects your subsidy for 2023 and 2024.

06/03/2026

⚠️ Your ACA Clients Are Losing Subsidies — Failure to Reconcile Explained

One of my clients opened her next month bill, saw the FULL premium, and panicked — all because of a tax notice she never read.

Failure to reconcile is quietly stripping ACA subsidies from clients who never filed their 2023 and 2024 taxes — and most don't find out until the full premium hits their account. 😳

In this ACA agent training, I break down exactly what happened to one of my clients, the notice the marketplace mailed out that almost nobody is reading, and — most importantly — how YOU as an agent can get ahead of it.

📋 Here's what I cover:
✅ Why "failure to reconcile" terminates APTC and forces clients to full price
✅ The marketplace notice your clients are ignoring
✅ How to pull your at-risk client list inside HealthSherpa
✅ How to update the application once they've filed

This is the difference between a client who blames you and a client who thanks you. Proactive agents keep their book — and grow it.

👨‍🏫 I'm Luis Moreno. I've spent ~25 years in the insurance business as a producing agent and mentor. I don't just recruit — I sell, and I train agents to build a real book of business with renewals.

🚀Insurance Agents: Learn ACA & Medicare Sales + Build Predictable Renewal Income

📞 Call/Text: 210-972-9558
📩 [email protected]
Learn how to sell ACA year-round + maximize Medicare AEP using proven systems from a 5,000+ ACA / 1,000+ Medicare client agency.

One of my clients opened her next month bill, saw the FULL premium,...

06/03/2026

Procrastinating on insurance can lead to deep regret when unexpected health issues strike. Agents, let's tailor policies to fit every client's needs and budget, ensuring peace of mind without financial strain.

Want to contract with HNL, email me: [email protected]

06/02/2026

Most agents finish the Medicare Advantage enrollment and walk out the door. But there's one product that protects your senior AND pays you on a client you already earned: hospital indemnity.

Want contracting, email me: [email protected]

In today's webinar, Bella from Heartland National broke down: ✅ The full benefit lineup ✅ How to pair it with a Medicare Advantage plan ✅ How to get contracted by the NEXT DAY
Skip it and two things happen: your senior isn't fully protected, and you're walking away from commission that was right in front of you.
I'm Luis Moreno. I help agents get contracted, trained, and supported in ACA & Medicare — so you can build a book of business with real renewals.
🚨 Insurance Agents Wanted 📧 [email protected]📱 Call/Text: 210-972-9558 🌐 InsuranceAgentTraining.net

06/02/2026

If you're selling Medicare Advantage but skipping hospital indemnity, you're underserving your senior AND walking away from money that's already on the table.
Hospital indemnity is the single easiest product Medicare agents leave behind — and in this webinar, Bella from Heartland National breaks down exactly how to add it to every Medicare Advantage client.
Want to contract with Heartland National, email me: 📩 [email protected]
🏥💰Most agents finish a Medicare Advantage enrollment and stop right there. That's a mistake. A hospital indemnity plan protects your senior from the out-of-pocket gaps MA plans leave wide open — and it stacks commission on a client you've already earned.
In this session you'll learn:
✅ The full benefit breakdown of Heartland National's hospital indemnity plan
✅ How to pair it with a Medicare Advantage plan the right way
✅ How to get contracted with Heartland National by the next day
👉 If you're not offering this, two things are happening: you're not fully protecting your senior, and you're leaving a ton of money on the table.
I'm Luis Moreno — I help insurance agents get contracted, trained, and supported in ACA & Medicare so they can build a real book of business with renewals.
🚨 Insurance Agents Wanted
📧 [email protected]
📱 Call/Text: 210-972-9558
🌐 InsuranceAgentTraining.net
Get top carrier contracts, live training, and ongoing mentorship — from an agent who actually produces.
https://youtu.be/RN7ZIm699XE?si=kHSu5JtJxjPAjokN

If you're selling Medicare Advantage but skipping hospital indemnit...

06/02/2026

Discover how Presidio Healthcare can safeguard your business. Agents, learn why this is a crucial offering to consider for your clients. Don't miss out on this vital protection. If you want to contracted with Presidio, email me📧 [email protected] 📱 210-972-9558

05/29/2026

Learn what personal details are needed for your application. We cover contact information and the crucial step of providing either your Social Security number or ITIN to confirm eligibility. Making sure this is accurate is key to a smooth process. If you want to contracted with Presidio, email me📧 [email protected] 📱 210-972-9558

05/27/2026

Navigating plan eligibility can be complex. This video breaks down crucial knockout conditions, especially focusing on various diseases and clarifying the specific rules for diabetes to ensure you have the most accurate information. If you want to contracted with Presidio, email me📧 [email protected] 📱 210-972-9558

05/25/2026

🚀 Agent CRM is revolutionizing how insurance agents run their sales AND marketing — and most agents have no idea what they're missing.
Here's the problem with how most ACA, Medicare, Life, and ancillary agents operate:
❌ One tool for leads ❌ Another for email marketing ❌ Another for texting ❌ Another for booking appointments ❌ Another for tracking pipeline ❌ Another for funnels ❌ And a notebook somewhere holding it all together 🫠
That's not a business. That's chaos with a Wi-Fi connection.
Alex Branning, CEO of Agent CRM, just exposed the all-in-one system replacing all of that — built SPECIFICALLY for insurance agents.
Inside Agent CRM you get:
🔥 Full CRM with insurance-specific pipelines (ACA, Medicare, Life, Ancillary) 🔥 AI-powered text and email follow-up 🔥 Marketing automations and nurture sequences 🔥 Appointment booking + reminders 🔥 Pre-built funnels and landing pages 🔥 The Contact Card Rule built in 🔥 Pipeline tracking and reporting 🔥 PLUS my exclusive agency workflows when you get contracted with me
This is the system 6-figure producers are running RIGHT NOW. The ones still duct-taping tools together? They're falling behind every single month. ✅
🎥 Watch the FULL interview:👉 https://youtu.be/kTzpaCMvToM
🚀 Get Agent CRM (my affiliate link):👉 https://www.agent-crm.com/luis-moreno
Insurance Agents Wanted | ACA & Medicare Training📧 [email protected]📱 Call/Text: 210-972-9558
How many separate tools are you running your agency on right now? 👇

05/25/2026

🚨 HEALTH INSURANCE UPDATE – Monday, May 25, 2026 🚨

If you have health insurance through the Marketplace (ACA/Obamacare) or plan to apply this year, there are important updates that could affect consumers.

✅ More documentation may be required for certain enrollments
✅ Increased protections against unauthorized plan changes
✅ Short-term health plans continue to have tighter limits
✅ Health plan costs and options may continue changing

The good news? Reviewing your coverage each year can help ensure you have the right plan, doctors, benefits, and financial assistance available to you.

📅 Important 2026 ACA Open Enrollment Update:
This year's ACA Open Enrollment period will only run from November 1, 2026 through December 15, 2026. The enrollment window is shorter, so planning ahead is more important than ever.

• Enroll Nov. 1 – Dec. 15 → Coverage starts January 1, 2027

Health insurance rules, plan options, and costs can change every year — don't wait until the last minute to review your options.

Phone: 210-239-3151
Email: [email protected]
Website: www.simplyhealthinsurance.net

DM and we would be glad to connect with you.