The Medicare landscape is shifting—and agents are feeling it.
In this episode of Sharing Success, JSA CEO Rick Harman breaks down what’s really happening across the industry—from commission changes and carrier pullbacks to rising medical costs and product shifts.
But more importantly, this isn’t about fear. It’s about opportunity.
If you're an independent agent, this conversation is your roadmap to staying profitable, relevant, and growing in today’s environment.

What you’ll learn:

- Why Medicare commissions are changing—and what it means for your income
- The biggest pressures carriers are facing right now
- How diversification protects your revenue and increases retention
- Where ancillary products, life, and annuities fit into your strategy
- Why agents who stay “transactional” will struggle moving forward
- How top agents are adapting—and winning—in today’s market

The takeaway is simple:
Agents who think beyond one product and start solving for the whole client will come out ahead.