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Health insurance agents, welcome to the life insurance market.

With the Supreme Court upholding the Patient Protection and Affordable Care Act, it would seem many of the estimated 100,000 health insurance producers will either diversify their business or leave the health insurance market altogether. Many of you already have seen your commissions slashed up to 50 percent by carriers trying to comply with the medical loss ratio component of PPACA, making your commission-based business model unsustainable. Many of those hoping to adapt to the post-PPACA world will find that the new health care exchanges will lead to a huge migration from the traditional health insurance agent channel, which is predicted to substantially reduce the volume of business underwritten by agents.

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