Agent Survival Guide Podcast

Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!  💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: CMS & HHS Expand ACA Catastrophic Coverage Enrollment ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents Judge Vacates HHS MA Commissions Lawsuit Ritter Insurance Marketing Carrier Partners The Fight for ACA Enhanced Premium Tax Credits   References: “Public Health Service Act.” Govinfo.Gov, govinfo.gov, www.govinfo.gov/content/pkg/COMPS-8773/pdf/COMPS-8773.pdf. Accessed 21 Oct. 2025. “Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/. “Short-Term Health Insurance: How It Works and Who It’s For.” Healthinsurance.Org, healthinsurance.org, 30 Sept. 2025, www.healthinsurance.org/short-term-health-insurance/. “Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage. “Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited Duration Insurance.” Cms.Gov, Centers for Medicare & Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf. “What Is Individual Health Insurance?” Healthinsurance.Org, healthinsurance.org, 14 Feb. 2025, www.healthinsurance.org/glossary/individual-health-insurance/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

No tricks, just a treat of an episode that miiiight leave you sleeping with the lights on tonight. Our staff volunteered to tell some spooky stories that line up with locations featured in our Content Library Top Spooky Spots series. We hope you enjoy it!   Content Library: The Top Spooky Spots for Halloween   Previous Content Library Interviews: Content Library: Cooking for Beginners ft. Jeff Snyder Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Not affiliated with or endorsed by Medicare or any government agency.

In this episode we review key CMS regulations agents must follow to stay compliant during Medicare sales. Bonus? These steps also help educate and inform your clients!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Fact vs. Fiction: Examining the Medicare Part B Premium Giveback Formularies & Covered Drugs – Knight School Training How to Check Medicare Extra Help Eligibility for Your Client How to Help Clients Avoid Medicare Late Enrollment Penalties How to Help Your Clients Get the Most Out of Their Medicare Advantage Plans Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them MA & PDP Compliant Sales Checklist PDF Download SNPs: The Secret to Surviving Lock-in The 2026 Medicare Part D Redesign Updates Agents Should Know The Beginner’s Guide to C-SNPs The Beginner’s Guide to D-SNPs The Difference Between Medicare & Medicaid: What That Means for Insurance Agents What Agents Can’t Say During Medicare Sales Appointments What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales   References: “Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/cy2025-agent-broker-training-testing-guidelines.pdf. Accessed 14 Oct 2025. “Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/cy2026agentbrokertrainingtestingguidelinespdf.pdf. Accessed 15 Oct. 2025. “Costs.” Medicare, www.medicare.gov/basics/costs/medicare-costs. Accessed 14 Oct. 2025. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. Accessed 14 Oct. 2025. “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 15 Oct. 2025. “Emergency Department Services.” Medicare.Gov, Medicare, www.medicare.gov/coverage/emergency-department-services. Accessed 14 Oct. 2025. “Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 14 Oct. 2025. Seladi-Schulman, Jill. “Medicare IRMAA: What Is It and When Does It Apply?” Healthline, Healthline Media, 22 Apr. 2025, www.healthline.com/health/medicare/what-is-irmaa. “Medicare and Medicaid Programs; CY 2025 Payment Policies Under the Physician Fee Schedule and Other Changes to Part B Payment and Coverage Policies; Medicare Shared Savings Program Requirements; Medicare Prescription Drug Inflation Rebate Program; and Medicare Overpayments.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2024/07/31/2024-14828/medicare-and-medicaid-programs-cy-2025-payment-policies-under-the-physician-fee-schedule-and-other. Accessed 14 Oct. 2025. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” FederalRegister.Gov, Federal Register, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 15 Oct. 2025. “Out-of-Pocket Maximum/Limit.” HealthCare.Gov, www.healthcare.gov/glossary/out-of-pocket-maximum-limit/. Accessed 14 Oct. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

This just in! Social Security announced the Cost of Living Adjustment for 2026. Listen on the ASG podcast for the official numbers and how the COLA increase impacts your clients.   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Medicare Myths Your Clients May Believe 2026 Medicare Advantage and Medicare Part D Premiums Ask Integrity Plan Insights   References: “Consumer Price Index - September 2025.” Bls.Gov, U.S. Bureau of Labor Statistics, 24 Oct. 2025, www.bls.gov/news.release/cpi.toc.htm. “Create Your Personal My Social Security Account Today.” SSA, Social Security Administration, www.ssa.gov/myaccount/. Accessed 24 Oct. 2025. Bogle, Darlynda. “How the Hold Harmless Provision Protects Your Benefits.” Blog.SSA.Gov, Social Security Administration, 18 Apr. 2025, blog.ssa.gov/how-the-hold-harmless-provision-protects-your-benefits/. “Social Security Announces 2.8 Percent Benefit Increase for 2026 .” SSA.Gov, Social Security Administration, 24 Oct. 2025, blog.ssa.gov/social-security-announces-benefit-increase-for-2026/. “Social Security Cost of Living Adjustment.” SSA.Gov, Social Security Administration, 24 Oct. 2025, www.ssa.gov/cola/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

You’ve worked hard all year to prepare for AEP, but you’re not at the finish line yet! Listen to this installment of the Agent Survival Guide Podcast for tips on how to maximize your success this AEP.   Read the text version   Meet your personal AI assistant: Ask Integrity   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet Announcing the Launch of IntegrityCONNECT Ask Integrity Content Library: Mastering Medicare Coverage ft. Jeff Snyder How Insurance Agents Can Use AI Tools How to Better Market Yourself How to Prepare for AEP Like a Pro Secure a Bigger, Better Business with Ancillary Products The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook The Survivor’s AEP Checklist What Agents Forget to Do When Preparing for Appointments   References: “Medicare + Fraud, Waste, and Abuse (MFWA) Online Course.” AHIP Medicare Training, https://www.ahipmedicaretraining.com/page/login. Accessed 14 Oct. 2025. “Medicare Open Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources. Accessed 13 Oct. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

As select Medicare Advantage and Medicare Part D plans go non-commissionable, we’ve been hearing whispers about consulting fees. Rather than stay silent, we’ve got some words of caution and solutions for agents to consider.   Read the text version   Contact Us! Email ASGPodcast@Ritterim.com or reach out to Ritter’s Sales Team near you!    Resources: 7 Actions You Can Take If Your Medicare Plans Go Non-Commissionable 8 Reasons Why Insurance Agents Should Sell ACA Plans ACA 101: Selling Under-65 Health Insurance A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products Final Expense Insurance: How Much Can Clients Expect It to Cover? Register with Ritter Insurance Marketing Selling Hospital Indemnity with Medicare Advantage: Is It Worth It?   References: Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026 Medicare Advantage Program Regulations Medicare Part D Communication Requirements AEP Media Toolkit from NABIP   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for October 24, 2025: Field Notes & Countdown to OEP OpenAI Announces ChatGPT Atlas Apple Beta Updates for Liquid Glass ACA Premiums& Tax Credits Status Check Ask Integrity Plan Insights   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   OpenAI Announces ChatGPT Atlas: Rogers, Reece. “OpenAI’s Atlas Browser Takes Direct Aim at Google Chrome.” Wired.Com, Wired, 21 Oct. 2025, www.wired.com/story/openai-atlas-browser-chrome-agents-web-browsing/. Babu, Juby, and Krystal Hu. “OpenAI Launches AI Browser Atlas in Latest Challenge to Google.” Reuters.Com, Reuters, www.reuters.com/technology/openai-unveils-ai-browser-atlas-2025-10-21/. Accessed 21 Oct. 2025. O’Brien, Matt, and Michael Liedtke. “OpenAI Launches Atlas Browser to Compete with Google Chrome.” Apnews.Com, AP News, 21 Oct. 2025, apnews.com/article/openai-atlas-web-browser-chatgpt-google-ai-f59edaa239aebe26fc5a4a27291d717a. Capoot, Ashley. “OpenAI Unveils CHATGPT Atlas Browser, Sending Alphabet Shares Lower.” CNBC.Com, CNBC, 21 Oct. 2025, www.cnbc.com/2025/10/21/openai-browser-alphabet-stock.html. Fried, Ina. “What to Know about Atlas, OpenAI’s New Web Browser.” Axios.Com, Axios, www.axios.com/2025/10/21/openai-atlas-what-to-know. Accessed 21 Oct. 2025.   Apple Beta Updates for Liquid Glass: Clover, Juli. “iOS 26.1 Beta 4 Lets Users Control Liquid Glass Transparency with New Toggle.” Macrumors.Com, MacRumors, 20 Oct. 2025, www.macrumors.com/2025/10/20/ios-26-1-liquid-glass-toggle/. Peters, Jay. “Apple Adds a New Toggle to Make Liquid Glass Less Glassy.” Theverge.Com, The Verge, 20 Oct. 2025, www.theverge.com/news/802963/apple-liquid-glass-ios-26-1-beta-tint-option. Cunningham, Andrew. “Upcoming iOS and macOS 26.1 Update Will Let You Fog up Your Liquid Glass.” Arstechnica.Com, Ars Technica, 21 Oct. 2025, arstechnica.com/gadgets/2025/10/new-ios-and-macos-betas-add-tinted-toggle-to-tone-down-liquid-glass/.   ACA Premiums & Tax Credits Status Check: Ortaliza, Jared, Matt McGough, Kaitlyn Vu, Imani Telesford, Shameek Rakshit, Emma Wager Twitter, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/. “How Much More Would People Pay in Premiums If the ACA’s Enhanced Premium Tax Credits Expire?” KFF.Org, KFF, 17 Oct. 2025, www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/. “Is It Too Late for ACA Insurers to Change Their Premiums?” KFF.Org, KFF, 8 Oct. 2025, www.kff.org/quick-take/is-it-too-late-for-aca-insurers-to-change-their-premiums/.   Ask Integrity Plan Insights: Get Started with IntegrityCONNECT Integrity Transformational AI-Powered Plan Insights Learn more about Ask Integrity   Resources: How an ICHRA Partnership Can Support ACA Sales How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly Optimize Your Online Presence ft. Aaron Kassover The Medicare Telehealth 2025 Changes Insurance Agents Need to Know   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Jeff Snyder joins Sarah to chat about Ritter Insurance Marketing’s Content Library for insurance agents. Find out how to use non-insurance related content in your marketing efforts.   📚Browse Ritter Insurance Marketing’s Content Library for Insurance Agents 🤝Register with Ritter Insurance Marketing   Resources: 5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd 5 Types of Content to Share on Social Media Content Library: Master Medicare Insurance Coverage Field Notes on Partner Marketing Resources Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources Introducing a Content Marketing Solution for Insurance Agents Reach out to Ritter’s Compliance Team   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel   Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Don't let anxiety take away your potential. In this episode, we've got tips to help insurance agents overcome anxiety, turning it into fuel for your success.   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: eBooks and Guides for Insurance Agents Events & Webinars available through Ritter Insurance Marketing Fact-Finder to use when meeting with clients Knight School Online Training for Insurance Agents MA & PDP Compliant Sales Checklist   More Episodes of the ASG Podcast: Adding Spokes to Your Wheel ft. Robert Rothschild Building the Foundation for Success ft. Roy Snarr How to Create a Healthy Balance Between Work and Life Making Your Own Luck ft. Michael Krantz Operating From a People-First Mentality ft. Scott Zimmerman   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance       Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel    Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Not affiliated with or endorsed by Medicare or any government agency. 

The Friday Five for October 17, 2025: Social Security 2026 COLA delayed Meet Rust-Out; the apathetic cousin of Burnout Instagram Goes PG-13 for Teens 13-17 A Chat with Jake McGeoy for our Maryland Agents eHealth Medicare AEP Consumer Insights Survey   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Social Security 2026 COLA delayed: September 2025 CPI Release Rescheduled   Meet Rustout; the apathetic cousin of Burnout Forget Burnout: 5 Clear Signs You're Suffering From Rust-Out Rust-Out and Burnout: Steps You Can Take to Overcome Them at Work Rust Out - The warning signs and what to do about them What is 'rust out' and are you experiencing it?   Instagram Goes PG-13 for Teens 13-17: Instagram Teen Accounts Will Be Guided by PG-13 Ratings Instagram to bring in version of PG-13 system to protect children, says Meta Instagram Will Limit Content for Teenagers Based on PG-13 Ratings Instagram will now be PG-13 for teens with Meta’s latest update Motion Picture Association Film Ratings   A Chat with Jake McGeory for our Maryland Agents: Connect with the Ritter Insurance Marketing Team in Your Region eHealth Medicare AEP Consumer Insights Survey   Resources: How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly What Agents Forget to Do When Preparing for Appointments Where It All Begins: Obtaining Permission to Contact for Medicare Sales   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

You’ve got a full day of appointments… great! But do you have everything you need? Don’t miss our list of small items that agents often forget. Remembering them can make a big difference in keeping you organized and stress-free when you’re on the road.   Read the text version   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast ! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Medicare Myths Your Clients May Believe How Ask Integrity Can Streamline Your Medicare Sales Appointments How to Prepare for AEP Like a Pro How to Survive AEP: Wellness Tips for Insurance Agents Save Time & Sell More with IntegrityCONNECT The Survivor's AEP Checklist What New Insurance Agents Need to Know   References: Nesmith, Meghan. “Clean IQ: What’s Really in Those Tide to Go Pens? And Why Don’t You Have to Rinse Them?” Apartmenttherapy.Com, Apartment Therapy, www.apartmenttherapy.com/tide-to-go-how-to-use-268453. Accessed 8 Sept. 2025. Naftulin, Julia. “Do You Get ‘Hangry’? Feeling Angry From Not Eating Is a Real Thing.” Edited by Melissa Nieves, Health.Com, Health, 19 Aug. 2025, www.health.com/nutrition/what-is-hangry. “Phone Charging Tips: The Complete Guide to Maximizing Battery Life in 2025.” Rdbatteries.Com, R&D Batteries Inc., 1 Sept. 2025, www.rdbatteries.com/blog/post/how-to-store-batteries.html.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for October 10, 2025: Medicare Telehealth in Limbo Potential Delay for 2026 COLA? Public Support for Extending ACA Subsidies FFM Certification Now Available 5 Days Until AEP 2026   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Medicare Telehealth in Limbo: Beavins, Emma. “Hospitals, Doctors Face Virtual Care Cliff with Telehealth, Hospital at Home Services on the Line.” Fierce Healthcare, 29 Oct. 2025, https://www.fiercehealthcare.com/regulatory/telehealth-hospital-home-deadlines-approach-no-funding-deal-sight. Miller, Marika. “Medicare Telehealth Flexibilities: Countdown to September 30, 2025.” Foley & Lardner LLP, 11 Sept. 2025, https://www.foley.com/insights/publications/2025/09/medicare-telehealth-flexibilities-countdown-to-september-30-2025/. Jackson, Marshall E., et al. “Medicare Telehealth Flexibilities Expire: Immediate Impacts and next Steps.” McDermott Will & Schulte, 1 Oct. 2025, https://www.mwe.com/insights/medicare-telehealth-flexibilities-expire-immediate-impacts-and-next-steps/. Konish, Lorie. “Social Security Cola for 2026: How Federal Government Shutdown May Affect Announcement.” CNBC, CNBC, 9 Oct. 2025, https://www.cnbc.com/2025/10/09/social-security-cola-2026-benefit-increase.html. Blake, Suzanne, and Gabe Whisnant. “Social Security Update: Government Shutdown Will Delay Major Announcement.” Newsweek, 7 Oct. 2025, https://www.newsweek.com/social-security-update-government-shutdown-2026-sola-10842238. “US Government Shutdown Will Delay Social Security 2026 Cola Announcement | Reuters.” Reuters, 7 Oct. 2025, https://www.reuters.com/world/us/us-government-shutdown-will-delay-social-security-2026-cola-announcement-2025-10-07/.   Public Support for Extending ACA Subsidies: Sparks, Grace, et al. “KFF Health Tracking Poll: Public Weighs Political Consequences of Health Policy Legislation.” KFF, 3 Oct. 2025, https://www.kff.org/affordable-care-act/kff-health-tracking-poll-public-weighs-political-consequences-of-health-policy-legislation/.   FFM Certification Now Available: 2026 ACA Exchange & FFM Certification Info   Ritter Insurance Marketing Resources for AEP & Beyond: Contact our Ritter Sales Team Content Library eBooks & Guides for Insurance Agents Events & Webinars for Insurance Agents Knight School Register with Ritter Insurance Marketing Ritter Blog Ritter Carrier Pages Ritter Docs Surviving AEP Resource List Surviving OEP Resource List   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Don Connelly joins Sarah to talk about the soft skill of storytelling. Learn more about this strategy and why it's so effective for insurance agents.   Find Don Connelly Online: Blog Facebook LinkedIn Longevity Planners Official Website X YouTube   Resources: How Client Retention Boosts Insurance Sales How Relationship Marketing Can Make the Difference in Your Agency Learning to Delight in the Limelight ft. Linda Ugelow Operating From a People-First Mentality ft. Scott Zimmerman   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel   Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Before it all happens, the appointment, finding the plan that fits, the sales pitch, agents first need to collect Permission to Contact (PTC). Discover when it’s required and how to compliantly acquire PTC.   Read the text version   Register with Ritter Insurance Marketing   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 3 Easy Ways to Build Your Insurance Sales Territory Digital Marketing for Insurance Agents: Our Top Tips to Boost Business Do’s and Don’ts of Medicare Compliance Field Notes on Digital Marketing Resources Insurance Agents as TPMOs: What CMS Compliance Regulation Mean for You IntegrityCONNECT Guidelines for Sharing Personal Beneficiary Data with Other TPMOS Modern Medicare Marketing for Today’s Agents FREE eBook DOWNLOAD PlanEnroll – Take Your Business to the Next Level Shop – Ritter Insurance Marketing The Definitive Guide to Getting Leads and Prospecting for Medicare Sales FREE eBook DOWNLOAD What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales   References:  “Can-SPAM Act: A Compliance Guide for Business.” Federal Trade Commission, 22 July 2025, https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business.  Telephone Consumer Protection Act 47 USC § 227, https://www.fcc.gov/sites/default/files/tcpa-rules.pdf. Accessed 9 Sept. 2025.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

CMS released their 2026 Medicare Advantage and Medicare Part D projections this week. Join Sarah as she highlights info for agents, from estimates on enrollment and premiums to plan accessibility and more!   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 MA Enrollment Stats & Trends Announcing the Launch of IntegrityCONNECT Can Insurance Agents Charge Medicare Consultation Fees? Judge Vacates HHS MA Commissions Lawsuit Optimize Your Online Presence ft. Aaron Kassover Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker Surviving AEP with Ritter Insurance Marketing The Fight for ACA Enhanced Premium Tax Credits The Survivor’s AEP Checklist What Agents Can't Say During Medicare Sales Appointments What Can MAPD Insurance Agents Do Prior to AEP?   References: “2026 MA and Part D Landscape State Fact Sheet.” CMS.Gov, www.cms.gov/files/document/2026-ma-part-d-landscape-state-state-fact-sheet.pdf. Accessed 1 Oct. 2025. “Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2026.” CMS.Gov, www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2026. Accessed 1 Oct. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

You've probably heard that partnering with a field marketing organization is a great idea for independent agents. Today, we're diving into the WHY. Learn more about Ritter Insurance Marketing: a national FMO offering resources and support for agents like you.   Read the text version   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Things to Consider When Creating Your Personal Brand 2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Carriers Partnered with Ritter Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Everything You Get With Your Ritter Registration Events & Webinars for Insurance Agents Everything You Get With Your Ritter Registration Get in Touch with Ritter's Sales Team How Insurance Agents Can Use AI Tools IntegrityCONNECT Registration Knight School Online Training for Insurance Agents Learn More About Integrity Tools Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle Marketing & Incentives with Ritter Insurance Marketing PlanEnroll Information Training & Educational Resources at Ritter Insurance Marketing   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Dr. Shannon Decker joins Sarah to talk about risk adjustment, the switch from V24 to V28 coding, and what recent changes mean for value-based care.   Find Shannon Decker Online: LinkedIn VBCOne Official Website VBCOne on YouTube   Resources: 5 Things From the 2025 Budget Reconciliation Bill How to Build Intentional Value ft. Neil Reich Judge Grants Stay on Many 2025 ACA Final Rule Provisions Judge Vacates HHS MA Commissions Lawsuit   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel   Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

We illustrate 5 life insurance myths and why your clients may believe them. Learn how to counter these objections so your clients can better understand the life product and you can make the sale!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Tips for Making a Better Insurance Sales Pitch A Quick Guide to Understanding Universal Life Insurance How to Make the Most of Life Insurance Awareness Month Identifying Ideal Clients for Universal Life Products Register with Ritter Insurance Marketing What to Do If Your Clients Can No Longer Afford Their Permanent Life Insurance Premiums When to Recommend Life Insurance Based on Its Tax Advantages   References: “2024 Life Insurance Fact Sheet.” LIMRA.Com, LIMRA, www.limra.com/siteassets/newsroom/fact-tank/fact-sheets/2024-life-insurance-fact-sheet.pdf. Accessed 8 Sept. 2025. “2025 Facts About Life Insurance.” LIMRA.Com, LIMRA, www.limra.com/siteassets/newsroom/liam/2025/2025_facts_about_life_insurance.pdf. Accessed 8 Sept. 2025. “Ensuring a Protected Tomorrow with Life Insurance.” LIMRA.Com, LIMRA, www.limra.com/en/research/research-abstracts-public/2025/2025-insurance-barometer-study/ensuring-a-protected-tomorrow-with-life-insurance-partial-infographic/. Accessed 8 Sept. 2025. “Modernizing Life Insurance.” LIMRA.Com, LIMRA, www.limra.com/en/research/research-abstracts-public/2024/2024-insurance-barometer-study/. Accessed 8 Sept. 2025. “The Diner Dispatch: 2023 American Dining Habits.” Usfoods.Com, US Foods, www.usfoods.com/our-services/business-trends/american-dining-out-habits-2023.html. Accessed 8 Sept. 2025. “The Diner Dispatch: 2024 American Dining Habits.” Usfoods.Com, US Foods, www.usfoods.com/our-services/business-trends/american-dining-out-habits-2024.html. Accessed 8 Sept. 2025. Wood, Stephen, and Maggie Leyes. “2025 Insurance Barometer Study.” LIMRA.Com, LIMRA, 25 June 2025, www.limra.com/en/research/research-abstracts-public/2025/2025-insurance-barometer-study/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for September 26, 2025: AEP Countdown & Ritter Resources New D-SNP Client Resources Hacking Your Social Media Algorithm iOS 26 Updates to Apple CarPlay The Fight for ACA Enhanced Premium Tax Credits   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Ritter Resources: Connect with Your Sales Rep Download eBooks and Guides Read the Ritter Blog Register for Events and Webinars Surviving AEP   New D-SNP Client Resources: D-SNP Benefit Eligibility Client Letter D-SNP Client Doctor, Provider, and Prescription Checklist   Hacking Your Social Media Algorithm: “Hacking Your Social Media Feed to Enhance Mental Health.” Well Nourished Psych, Well Nourished Psych, wellnourishedpsych.com/hacking-your-social-media-feed-to-enhance-mental-health/. Accessed 25 Sept. 2025. Poyourow, Joanne. “How to Create Your Own Good News Feed.” Change-Making News, Change-Making News, https://www.change-making.com/how-to-quit-doomscrolling/. Accessed 25 Sept. 2025. “How To Cultivate A Feel-Good Social Media Feed.” Sweat.Com, Sweat, sweat.com/blogs/wellbeing/feel-good-social-media-feed. Accessed 25 Sept. 2025. “How To Cultivate A Positive Social Media Experience.” Henryford.Com, Henry Ford Health, 28 Feb. 2025, www.henryford.com/blog/2025/02/how-to-cultivate-a-positive-social-media-experience. “Tips for Using News and Social Media in a Healthy Way.” KaiserPermanente.Org, Kaiser Permanente, healthy.kaiserpermanente.org/health-wellness/health-encyclopedia/he.tips-for-using-news-and-social-media-in-a-healthy-way.acl3156. Accessed 25 Sept. 2025.   iOS 26 Updates to Apple CarPlay: Swanner, Nate. “Apple CarPlay Users Are About To Notice Huge Changes.” Autoblog.Com, Auto Blog, https://www.autoblog.com/news/apple-carplay-users-are-about-to-notice-huge-changes. Accessed 25 Sept. 2025. Poultney, Leon. “I’ve Tried CarPlay’s New iOS 26 Makeover – Here Are My 5 Favorite Upgrades.” TechRadar.Com, TechRadar, 16 Sept. 2025, www.techradar.com/vehicle-tech/hybrid-electric-vehicles/ive-tried-carplays-new-ios-26-makeover-here-are-my-5-favorite-upgrades. Miller, Chance. “This IOS 26 Change Makes Carplay Even Better.” 9to5Mac.Com, 9to5Mac, 22 Sept. 2025, 9to5mac.com/2025/09/22/carplay-in-ios-26-smart-display-zoom/.   The Fight for ACA Enhanced Premium Tax Credits: Muoio, Dave. “Delaying ACA Subsidy Legislation Past Sept. 30 Limits next Year’s Premium Reductions: CBO.” Fiercehealthcare.Com, Fierce Healthcare, 18 Sept. 2025, www.fiercehealthcare.com/payers/delaying-aca-subsidy-legislation-past-sept-30-limits-next-years-premium-reductions-cbo. Sullivan, Peter. “GOP Considers Changing and Extending ACA Subsidies.” Axios.Com, Axios, 22 Sept. 2025, www.axios.com/2025/09/22/republicans-aca-tax-credit-changes. “The Estimated Effects of Enacting Selected Health Coverage Policies on the Federal Budget and on the Number of People With Health Insurance.” Cbo.Gov, Congressional Budget Office, 18 Sept. 2025, www.cbo.gov/publication/61734. What the Stay on 2025 ACA Final Rule Changes Means Ortaliza, Jared, Anna Cord, et al. “Inflation Reduction Act Health Insurance Subsidies: What Is Their Impact and What Would Happen If They Expire?” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/inflation-reduction-act-health-insurance-subsidies-what-is-their-impact-and-what-would-happen-if-they-expire/.   More Episodes Like This One: Announcing the Launch of IntegrityCONNECT CMS & HHS Expand ACA Catastrophic Coverage Enrollment Judge Grants Stay on Many 2025 ACA Final Rule Provisions   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Small business have a few different options for offering coverage to their employees Learn about these 3 options and how your role as an agent fits in.   Read the text version   Register with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Things About ICHRA ACA 101: Selling Under-65 Health Insurance ACA Enrollment Periods Explained Contract & Get Appointed to Sell with Health Insurance Companies Community-Based Marketing for Insurance Agents How an ICHRA Partnership Can Support ACA Sales ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents Meet Your Sales Team Simplify Marketplace Enrollment with HealthSherpa Six Ways to Generate ACA LeadsSocial Media Marketing for Insurance Agents FREE eBook DOWNLOAD The Insurance Agent’s Guide to Generating Referrals FREE eBook DOWNLOAD The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover   References: “Agents & Brokers: How to Register to Sell Shop Insurance.” HealthCare.Gov, www.healthcare.gov/small-businesses/agents-and-brokers/. Accessed 25 Aug. 2025. Author: Louise Norris | Date Posted: October 11. “Can Small Businesses Use the ACA’s Health Insurance Marketplaces (Exchanges)?” Healthinsurance.Org, 2 May 2025, www.healthinsurance.org/faqs/ive-heard-a-lot-about-health-insurance-exchanges-but-what-are-shop-exchanges/. “Find Local Help.” Local Assistance for Health Insurance Application, www.healthcare.gov/find-local-help/. Accessed 25 Aug. 2025. “Individual Coverage Health Reimbursement Arrangements (HRAS).” HealthCare.Gov, www.healthcare.gov/small-businesses/learn-more/individual-coverage-hra/. Accessed 25 Aug. 2025. “Nexben.Com.” Nexben, 22 May 2024, www.nexben.com/. “Promoting Healthcare Choice and Competition Across the United States.” Federal Register, 17 Oct. 2017, www.federalregister.gov/documents/2017/10/17/2017-22677/promoting-healthcare-choice-and-competition-across-the-united-states. “What Is a QSEHRA?” Healthinsurance.Org, 7 July 2025, www.healthinsurance.org/glossary/qualified-small-employer-health-reimbursement-arrangement/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.