PRO F E S S I O NAL D E VE LO P TM E NT
Health Insurance As A Profession By David Ethington
Many people take it for granted that they can sign up for health insurance through their employer. However, self-employed individuals, those taking a break from work, and those between jobs often face a tough choice: Should they go without health insurance and hope they don’t need care in the meantime? Or should they take a gamble on a low-cost private plan that might not meet their needs? A staggering 26 million Americans are currently uninsured—a number that includes people of all ages. Health insurance professionals play a critical role in connecting these individuals, along with those dissatisfied with their current coverage, to plans that better suit their needs and lifestyles. Interested in making a difference? Learn more about careers in health insurance and how to get started on this rewarding path. What Does a Health Insurance Professional Do? A health insurance professional—sometimes referred to as an agent or broker—helps clients explore, understand, and choose the best insurance options. They may assist clients in switching plans or navigating coverage details. Licensed health and life insurance professionals can work for insurance carriers, healthcare providers, or independent agencies.
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Here are some of the key day-to-day responsibilities of a health insurance professional: Connecting with clients: Client interaction is at the heart of the job. Agents may connect in person or via phone, email, text, or video calls. The goal is to advocate for clients and provide clear, helpful information. Too often, individuals are caught between large insurance carriers and complex healthcare systems where their best interests aren’t always prioritized. Independent brokers, however, do not work for insurance companies or healthcare providers—they work for the client. Maintaining relationships: Many agents are drawn to the field by a sense of compassion. Building strong, ongoing relationships through clear communication is essential. Active listening and strong problem-solving skills are vital to helping clients navigate the often-confusing world of healthcare. Staying informed: Successful insurance professionals stay current on changes affecting their clients—whether related to age, employment, medical needs, or government policy. Local healthcare networks and plan coverages frequently change, so staying informed is crucial.
calbrokermag.com
MAY 2025
