Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

By Sarah J. Rueppel | Ritter Insurance Marketing | Insurance Agent Tips, Tools & Training

Bringing insurance agents tips and strategies for making sales, staying compliant, marketing yourself, getting leads, and more! Think of the Agent Survival Guide as your go-to resource for insight, in... more

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Best of Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

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  1. Number 1: The Part D Cliff & Costs for 2027

    The Friday Five for September 25, 2026: CMS Rebrands ICHRA as CHOICE SCAN Announces Co-Branded Plan Locations CMS Temporary Moratorium on New ACA Agent/Broker Registration The Part D Cliff & Costs for CY 2027 Ritter Summits Recap 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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Register for Ritter’s National Summit CMS Rebrands ICHRA as CHOICE: “CMS rebrands ICHRA.” Becker’s Payer Issues, beckerspayer.com, 3 Sep. 2026, https://www.beckerspayer.com/payer/ichra/cms-rebrands-ichra/. “Explaining Individual Coverage Health Reimbursement Arrangements (ICHRAs).” Peterson-KFF Health System Tracker, healthsystemtracker.org, 22 Oct 2025, https://www.healthsystemtracker.org/brief/explaining-individual-coverage-health-reimbursement-arrangements-ichras/. “Growth Trends for ICHRA & QSEHRA Volume Five: 2025-2026.” HRA Council, https://www.hracouncil.org/resources/Documents/2026%20HRA%20Council%20Data%20Report%20-%20PDF%20Version.pdf, Accessed 22 Sep. 2026. “HRA Council Data Report Hub.” HRA Council, hracouncil.org, https://www.hracouncil.org/report, Accessed 22 Sep. 2026. “ICHRAs, a growth opportunity for insurers, face uphill battle.” Healthcare Dive, healthcaredive.com, 8 Apr. 2026, https://www.healthcaredive.com/news/ichras-individual-coverage-health-reimbursement-arrangements-adoption-challenges/816878/. “ICHRA enrollment nearly triples as Americans shift to ‘cash-for-coverage’ plans.” Benefits Pro, benefitspro.com, 21 Jan. 2026, https://www.benefitspro.com/2026/01/21/ichra-enrollment-nearly-triples-as-americans-shift-to-cash-for-coverage-plans/. “ICHRA market doubles to 500,000 enrollees: Report.” Becker’s Payer Issues, beckerspayer.com, 12 Aug. 2026, https://www.beckerspayer.com/payer/ichra/ichra-market-doubles-to-500000-enrollees-report/. “Report: ICHRA enrollment triples in 2026.” Christensen Group Insurance, christensengroup.com, 6 Feb. 2026, https://www.christensengroup.com/article/report-ichra-enrollment-triples-in-2026. “What is the CHOICE Arrangement?” Remodel Health, remodelhealth.com, 3 Sep. 2026, https://remodelhealth.com/blog/what-is-the-choice-arrangement. SCAN Announces Co-Branded Plan Locations: “SCAN and COSTCO Launch Landmark Partnership to Reimagine Healthcare for Older Adults.” Scanhealthplan.com, SCAN Health Plan, 18 Aug. 2026, https://www.scanhealthplan.com/about-scan/press-releases/costco-partnership. “Walmart and Scan to Launch Co-Branded Medicare Advantage Plan.” Scanhealthplan.com, SCAN Health Plan, 16 Sep. 2026, https://www.scanhealthplan.com/about-scan/press-releases/scan-walmart. CMS Temporary Moratorium on New ACA Agent/Broker Registration: “Agent groups speaking out against possible moratorium on new ACA brokers.” Insurance News Net, insurancenewsnet.com, 16 Sep. 2026, https://insurancenewsnet.com/innarticle/agent-groups-speaking-out-against-possible-moratorium-on-new-aca-brokers. “Federal Marketplace (FFE and SBE-FP) Anti-Fraud Actions.” Centers for Medicare & Medicaid Services, cms.gov, 22 Sep. 2026, https://www.cms.gov/newsroom/fact-sheets/federal-marketplace-ffe-sbe-fp-anti-fraud-actions. “Trump Bans New Obamacare Agent Registrations in Latest Limits.” Bloomberg Law, news.bloomerglaw.com, 22 Sep. 2026, https://news.bloomberglaw.com/health-law-and-business/trump-bans-new-obamacare-agent-registrations-in-latest-limits. The Part D Cliff & Costs for CY 2027: “8 Changes Coming to Medicare in 2027.” Kiplinger, Kiplinger.com, 3 Sep. 2026, https://www.kiplinger.com/retirement/medicare/changes-coming-to-medicare-in-2027. “2026 Medicare Part D Bid Information and Part D Premium Stabilization Demonstration Parameters.” Centers for Medicare & Medicaid Services, cms.gov, 28 Jul. 2025, https://www.cms.gov/newsroom/fact-sheets/2026-medicare-part-d-bid-information-and-part-d-premium-stabilization-demonstration-parameters. “Announcement of Calendar Year (CY) 2027 Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies.” Centers for Medicare & Medicaid Services, CMS.gov, 6 Apr. 2026, https://www.cms.gov/files/document/2027-announcement.pdf. “CMS’s Decision to End Temporary Subsidies to Medicare’s Stand-Alone Drug Plans Could Mean Larger Premium Increases for Some Beneficiaries Next Year.” KFF, kff.org, 29 Jul. 2026, https://www.kff.org/quick-insights/cmss-decision-to-end-temporary-subsidies-to-medicares-stand-alone-drug-plans-could-mean-larger-premium-increases-for-some-beneficiaries-next-year/. “How Much Does Medicare Part D Cost?” GoodRx, goodrx.com, https://www.goodrx.com/insurance/medicare/how-much-medicare-part-d-cost, Accessed 22 Sep. 2026. “Medicare Part D 2027 National Average Monthly Bid Amount Information.” Centers for Medicare & Medicaid Services, CMS.gov, 28 Jul. 2026, https://www.cms.gov/newsroom/fact-sheets/medicare-part-d-2027-national-average-monthly-bid-amount-information. “Part D Costs on the Rise Due to IRA’s Benefit Redesign.” Committee for a Responsible Federal Budget, crfb.org, 5 Aug 2026, https://www.crfb.org/blogs/part-d-costs-rise-due-iras-benefit-redesign. “The Uncertain Future of Medicare Part D and Options for Reform.” American Enterprise Institute, aei.org, 10 Sep. 2026, https://www.aei.org/research-products/report/the-uncertain-future-of-medicare-part-d-and-options-for-reform/. Resources: 5 Ways Insurance Agents Should Be Using Ask Integrity ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow How to Organize a Turning 65 Seminar on a Budget Turning Life Changes into Sales Opportunities 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/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.

    19min
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  2. Number 2: 5 Ways Insurance Agents Should Be Using Ask Integrity

    Ready to streamline everyday tasks with Ask Integrity AI? This powerful digital agent was built just for insurance agents. In this episode of the ASG Podcast, we’re digging into the features, where they fit into your business processes, and the prompts to use for best results. Read the text version 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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2027 ACA & Medicare Cost Projections Finding Opportunity Despite Medicare & ACA Market Challenges Get Access to IntegrityConnect Introducing the Integrity Health Plan Learn More About AskIntegrity Turning Life Changes into Sales Opportunities 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/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.

    12min
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  3. Number 3: Why Trust Is an Insurance Agent's Most Important Non-Renewable Resource

    Building a relationship with a client is just like any other relationship—it needs to start with a strong foundation. In this episode of the ASG Podcast, we’re going to be showing you what behaviors a client will appreciate in an agent Read the text version 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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Are You Offering Multiple LTC Insurance Options? Boost Business Selling Hospital Indemnity Insurance Handling Difficult Clients: Tips for Agents How Field Agents Can Differentiate from Call Centers How to Prevent Insurance Agent Negligence How to Retain Insurance Customers Medicare Advantage Open Enrollment Do's and Don'ts Ritter AEP Reflection Sheet Ritter Follow-Up One Sheet Ritter Follow-Up Guide The Complete Guide to Client Loyalty and Retention 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/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.

    8min
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  4. Number 4: ACA in 2027: CMS Changes, Fraud Prevention & Identity Proofing ft. Arthur Barlow

    Arthur Barlow, CEO and President of Compass Insurance Advisors and Founder of the ACA Health Summit joins Sarah to talk about ACA open enrollment changes for 2027. From CMS efforts to fight fraud in the ACA market to the new identity proofing requirements and high-risk applications, this interview is a must-listen for agents preparing for the ACA Open Enrollment Period. 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! 📢 Submit a shoutout to be read in a future episode 🎙️ Be a Guest on the ASG Podcast 💌 Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2027 ACA & Medicare Cost Projections 5 Myths About Selling ACA Health Insurance Plans Compass Insurance Advisors MyChart Medicare Kit Scam New CMS Identity Proofing & Agent Authorization Rules Register for the ACA Health Summit – Use Code ASG40 to get 40% off your ticket price! Turning Life Changes into Sales Opportunities 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/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Opinions expressed by interview guests are their own and not representative of Ritter Insurance Marketing or Integrity. The Agent Survival Guide Podcast is not affiliated with or endorsed by Medicare or any government agency.

    28min
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  5. Number 5: The Ideal Client for Medicare Advantage Plans

    So you want to start selling Medicare Advantage plans, but you aren’t sure what kind of clients to look for? No problem. In our newest episode, we break down some of the characteristics of what one of your ideal clients may look like. 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 [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: How to Help Medicare Clients in Poor Health Choose the Right Coverage Medicare Advantage Trial Rights Explained for Agents Organization Tips and Tricks for the Medicare Annual Enrollment Period Stay Busy Outside of AEP With Special Enrollment Periods The Beginner's Guide to C-SNPs The Benefits of Selling Medicare Special Needs Plans Why People Are Choosing Part C Over Original Medicare References: Backman, M. (2025, December 1). This is the average social security benefit for 2026. is it enough?. 24/7 Wall St. https://247wallst.com/investing/2025/12/01/this-is-the-average-social-security-benefit-for-2026-is-it-enough/ Fuglesten Biniek, J., Freed, M., Ochieng, N., & Neuman, T. (2026, February 23). Medicare advantage enrollment grew by about 1 million people, mainly due to special needs plans. KFF. https://www.kff.org/medicare/medicare-advantage-enrollment-grew-by-about-1-million-people-mainly-due-to-special-needs-plans/ Munnell, A. H., & Margolis, H. S. (2026, February 23). The government is trying to rein in Medicare advantage costs. will it work?. Center for Retirement Research. https://crr.bc.edu/the-government-is-trying-to-rein-in-medicare-advantage-costs-will-it-work/ National Council on Aging. (2025, December 1). Top 10 chronic conditions affecting older adults. The Top 10 Most Common Chronic Diseases for Older Adults. https://www.ncoa.org/article/the-top-10-most-common-chronic-conditions-in-older-adults/ National Council on Aging. (2025, September 9). New poverty numbers show more older adults face economic struggle. How Rising Poverty Rates Will Affect Older Adults. https://www.ncoa.org/article/poverty-among-older-adults-keeps-growing/ Social Security Administration. (2025, October 24). 2026 cost-of-living adjustment (cola) fact sheet. Social Security. https://www.ssa.gov/news/en/cola/factsheets/2026.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/ Threads, https://www.threads.net/@thesarahjrueppel and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social Not affiliated with or endorsed by Medicare or any government agency.

    7min
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The podcast currently has 1,837 episodes available.