If you’re new to selling under-65 health insurance in El Paso, you may have many questions about how the Affordable Care Act (ACA) works. There’s a lot of misinformation out there, and we’re here to debunk five common myths about selling ACA health plans in Texas. With support from Plans for Life, you can confidently help your clients find the ACA coverage that best suits their needs.

Here are the top myths about ACA health plans, and why you shouldn’t let them hold you back from success in El Paso.

1. The ACA Is Too Complicated to Understand

It’s true that the ACA can seem overwhelming at first, especially if you’re new to the health insurance marketplace. However, there are plenty of resources available to help agents in El Paso navigate ACA health insurance. The Centers for Medicare & Medicaid Services (CMS) offers web pages and PDFs that break down the essential details, including Special Enrollment Periods (SEPs), the American Rescue Plan (ARP), and the Inflation Reduction Act (IRA). These resources make it easy for new agents to quickly get up to speed.

Plans for Life makes it easy: Our team at Plans for Life is ready to assist El Paso agents with any questions. For personalized guidance, call us at 915-591-1957 or fill out the contact form on our website at www.plans4life.com.

2. My Clients in El Paso Have to Use the Federal Marketplace

While HealthCare.gov is the central hub for purchasing ACA health plans in many states, clients in Texas, including El Paso, have the option to explore ACA plans directly through the federal marketplace or through an off-exchange plan. While off-exchange plans are also ACA-compliant, they do not qualify for subsidies. Clients who are eligible for ACA subsidies should use the federal marketplace or an approved enrollment platform like HealthSherpa.

Plans for Life makes it easy: We help El Paso agents explore all health insurance options, including on-exchange and off-exchange ACA plans. For more details, call 915-591-1957 or visit our website.

3. Only Low-Income Clients Qualify for ACA Health Plans

This is a common myth that prevents many El Paso agents from serving a broad client base. ACA health insurance is available to U.S. citizens and legal residents, regardless of income, as long as they are not eligible for Medicare and meet other basic criteria. Many middle-income clients in El Paso may qualify for ACA subsidies under the American Rescue Plan or the Inflation Reduction Act, which have expanded eligibility for tax credits.

Plans for Life makes it easy: Whether your clients are eligible for subsidies or need off-exchange plans, we can guide you through the process. Call us at 915-591-1957 or fill out our contact form at www.plans4life.com for assistance.

4. There’s No Money in Selling ACA Health Plans in El Paso

Many agents in El Paso are unaware of the significant earning potential in selling ACA health plans. With ACA, commissions are typically earned per household member, per month. This structure allows commissions to add up quickly, especially when you help enroll multiple family members in an ACA plan. Not only that, agents earn renewal commissions every time a client re-enrolls in the marketplace.

Plus, there’s opportunity to cross-sell additional products, such as dental, vision, and disability insurance, which are essential for a complete health insurance portfolio in El Paso.

Plans for Life makes it easy: We’re here to help El Paso agents maximize their commissions with ACA plans. Get more details by calling us at 915-591-1957 or visit www.plans4life.com.

5. Getting Certified to Sell ACA Plans Is Too Difficult

Another misconception is that certification for selling ACA plans is time-consuming or costly. In reality, certification through the federal marketplace is free, and the process only needs to be completed once. After that, agents in El Paso just need to go through a shorter recertification each year. Some states may have additional requirements, but in Texas, the process is straightforward.

Plans for Life makes it easy: If you’re in El Paso and looking to get certified to sell ACA plans, we’re here to help. Reach out to us at 915-591-1957 or fill out the contact form on our website at www.plans4life.com.

Ready to get started selling ACA health plans in El Paso? Call Plans for Life at 915-591-1957 or visit www.plans4life.com to learn how we can help you succeed in the ACA marketplace and boost your insurance business in El Paso, Texas.