Angela Palo is COO of Pinnacle Financial Services, a leading National Medicare Brokerage, and member of the NABIP Medicare FMO Council.
Health insurance costs are rising—again. Between 2022 and 2025, average premiums for private health insurance plans—including those purchased through the ACA Marketplace and directly from insurers—increased by 15%, reaching an average annual cost of $7,452 this year.
At the same time, market concentration has intensified, with just three or fewer insurers now controlling 80% or more of the individual market in many states. For those of us leading large distribution organizations, these shifts directly impact how our agents show up for clients. ARTICLE