ACA Subsidies & Their Eligibility Requirements

Learn about ACA subsidies and their requirements to help your clients save on health insurance!
 
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Myths About Selling ACA Health Insurance Plans
How the ACA Subsidy Cliff Impacts Clients Shopping for Marketplace Coverage
How to Assist Clients with Marketplace Household Income Estimations
How to Help Clients Navigate ACA Marketplace Subsides & Taxes
What Are the ACA Marketplace Alternatives for Health Insurance?
 
References:
“Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 2 Jan. 2026.
Norris, Lousie. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, healthinsurance.org, 2 Sept. 2025, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/.
“Medicaid Expansion & What It Means for You.” HealthCare.Gov, https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/. Accessed 2 Jan. 2026.
“Poverty Guidelines.” ASPE, https://www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Jan. 2026.
Yearly Guidelines & Thresholds, Updated February 2023 Reference Chart, https://www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Jan. 2026.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

IntegrityCONNECT FAQs

Get the details on IntegrityCONNECT! Join Sarah and Tina for a deep dive into frequently asked agent questions.
 
Read the text version
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
FAQs About the Medicare Call Recording Requirements
How Health Insurance Agents Can Stay TCPA Compliant
Meet Your Sales Team
Integrity Official Site
Integrity Support Email
Ritter Events, Training, & Webinar List
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

Bronze, Silver, Gold, Platinum: ACA Metal Tier Levels

Get the breakdown of each Affordable Care Act metal tier plan right here!
 
Read the text version 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Questions to Ask Clients Shopping for an ACA Plan
Selling ACA/Under-65 Health Insurance with Ritter
The Complete Guide to Selling Affordable Care Act Insurance Plans – FREE eBook Download
Understanding the ACA Marketplace & Exchanges
Understanding ACA Plan Metal Tiers PDF - Download
 
References:
“Average Monthly Marketplace Premiums by Metal Tier: KFF State Health Facts.” KFF, 3 Nov. 2025, https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/.
“Health Plan Categories: Bronze, Silver, Gold, & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/. Accessed 15 Dec. 2025.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

What Insurance Agents Need to Know About the Medicare Prescription Payment Plan Program

Learn more about the Medicare prescription payment plan program. Get the information you need now so you can answer questions from your clients.
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
The Complete Guide on How to Sell Prescription Drug Plans
5 Tips for New Insurance Agents
5 Tips for Seasoned Insurance Agents
8 Strategies to Prevent Rapid Disenrollments from Medicare Plans
Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them
The 2026 Medicare Part D Redesign Changes Agents Should Know
 
References:
“Fact Sheet: Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf Accessed 13 Jan 2026.
“Fact Sheet: Medicare Prescription Payment Plan Final Part One Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-one-guidance.pdf Accessed 13 Jan 2026.
“Fact Sheet: Medicare Prescription Payment Plan Final Part Two Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-two-guidance.pdf. Accessed 13 Jan 2026.
“Inflation Reduction Act and Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare Accessed 13 Jan 2026.
“Medicare & You Handbook.” Medicare, Centers for Medicare & Medicaid Services (CMS), www.medicare.gov/medicare-and-you. Accessed 13 Jan. 2026.
“Medicare Prescription Payment Plan Details.” Medicare.Gov, CMS, www.medicare.gov/prescription-payment-plan. Accessed 13 Jan. 2026.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

5 Ways to Generate Medicare Leads

Leads are crucial to the success of your insurance business. Take a step outside the box with these creative Medicare lead-generation ideas!
   
Read the text version
   
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
   
Resources:
5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd
Affinity Partnerships for Insurance Agents
Custom Ink
Field Notes on Partner Marketing Resources
Shop RitterIM
The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships
 
References:
Forman-Katz, Naomi. “For National Radio Day, Key Facts about Radio Listeners and the Radio Industry in the U.S.” Pewresearch.Org, Pew Research Center, 17 Aug. 2023, www.pewresearch.org/short-reads/2023/08/17/for-national-radio-day-key-facts-about-radio-listeners-and-the-radio-industry-in-the-us/.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel   
 
Not affiliated with or endorsed by Medicare or any government agency. 

6 Ways to Generate ACA Leads

Expand your Affordable Care Act client base with these six lead generation strategies!
 
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Insurance Marketing Tips to Help Agents Stand Out from the Crowd
5 Types of Content to Share on Social Media
Build Your Brand with Community Involvement
Ritter Carrier Partners
Community Engagement & ACA Marketing Suggestions for Agents
How to Better Market Yourself
Marketing & Incentives
Why Being a Likable Agent Is Good for Your Business
 
References:
“Children’s Health Insurance Program (CHIP).” Medicaid.Gov, https://www.medicaid.gov/chip. Accessed 3 Apr. 2025.
“CMS.Gov Enterprise Portal.” Portal.Cms.Gov, https://portal.cms.gov/portal/. Accessed 3 Apr. 2025.
“FFM Agent Broker Registration and Termination Status Page.” Data.Healthcare.Gov, https://data.healthcare.gov/ffm_ab_registration_lists. Accessed 3 Apr. 2025.
“FAQs for Marketplace Agents and Brokers.” AgentBrokerFaq.Cms.Gov, https://www.agentbrokerfaq.cms.gov/s/article/Where-can-I-update-my-public-facing-agent-broker-profile-information-so-that-consumers-can-find-me-and-request-assistance. Accessed 3 Apr. 2025.
“Find Local Help.” HealthCare.Gov, https://www.healthcare.gov/find-local-help/. Accessed 3 Apr. 2025.
“Get Help Applying & More.” HealthCare.Gov, https://www.healthcare.gov/find-assistance/. Accessed 3 Apr. 2025.
“Help on Demand: Training and Registration Guide.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Help-On-Demand-Training-Registration-Guide.pdf. Accessed 3 Apr. 2025.
Instagram, https://www.instagram.com/. Accessed 3 Apr. 2025.
“Log in or Sign Up.” Facebook, https://www.facebook.com/. Accessed 3 Apr. 2025.
“Log in or Sign Up.” LinkedIn, https://www.linkedin.com/home. Accessed 3 Apr. 2025.
“Returning Agents’ and Brokers’ Guide to Plan Year 2025 ...” CMS.Gov, https://www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 3 Apr. 2025.
“Shop Health Insurance Overview.” HealthCare.Gov, https://www.healthcare.gov/small-businesses/choose-and-enroll/shop-marketplace-overview/. Accessed 3 Apr. 2025.
“Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, https://www.healthcare.gov/. Accessed 3 Apr. 2025.
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

Why Gen Z is a Good Fit For Selling Insurance

Discover all the reasons why we think Gen Z is a great match for the insurance industry!
  
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. 
 
Resources:
4 Reasons Why Ritter Should Be Your FMO Insurance Agency       
10 Essential Tools for Beginner Insurance Agents
Developing Power Habits ft. Dr. Noah St. John
The Difference Between Captive & Independent Agents
The Difference Between Medicare & Medicaid
Your Step-By-Step Guide to Getting Started in Insurance Sales
 
References:
McAllister, Sean. “How is Gen Z changing the workplace?” Zurich.Com, https://www.zurich.com/media/magazine/2022/how-will-gen-z-change-the-future-of-work . Accessed 10 Dec. 2025.
Veltheim, Hanna. “Pandemic’s Impact on the Young: Generation Z and Growing up in the Middle of Covid-19.” Futures Platform, Futures Platform, 28 Nov. 2024, https://www.futuresplatform.com/blog/pandemics-impact-generation-z.
Hall, Rebecca. “Recruiting Gen Z: Understanding What Matters.” Imercer, https://www.imercer.com/articleinsights/Attracting-new-graduates-and-Gen-Z-with-the-right-pay-and-perks. Accessed 10 Dec. 2025.
Wells, Andrea. “Young Agents Survey: The next Generation Steps Up.” Insurance Journal, 22 Apr. 2015, https://www.insurancejournal.com/magazines/coverstory/2015/04/20/364399.htm.
“The Average Length of a Job by Generation: A Look at Workforce Trends.” Sudina Search, LinkedIn, 19 Feb. 2025, https://www.linkedin.com/pulse/average-length-job-generation-look-workforce-trends-sudina-search-r4wqf#:~:text=Studies_indicate_that_Gen_Z,and_alignment_with_personal_values.
Robinson, Bryan. “The Gen Z Mindset Graduates Bring to the Workplace in 2025.” Forbes, Forbes Magazine, 27 Apr. 2025, https://www.forbes.com/sites/bryanrobinson/2025/04/26/the-gen-z-mindset-graduates-bring-to-the-workplace-in-2025/.
Wilson, Heather H. “The Insurance Industry’s Talent Crunch: Attracting and Retaining Gen Z.” Insurance Journal, 24 Mar. 2025, https://www.insurancejournal.com/magazines/mag-features/2025/03/24/816425.htm .
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

8 Strategies to Prevent Rapid Disenrollments from Medicare Plans

Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues. We outline 8 strategies that are simple for agents to implement.
 
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
7 Reasons Clients Switch Medicare Plans During AEP
Do's and Don'ts of Medicare Compliance
Fact-Finder Worksheet PDF
Helping Clients Navigate Medicare’s Durable Medical Equipment Coverage
How to Save Beneficiaries Money on Prescription Drugs at a Preferred Pharmacy
Medicare Advantage Emergency-Related SEPs
Medicare Advantage Open Enrollment Do's and Don'ts
Medicare Advantage Trial Rights Explained for Agents
Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them
Start Selling 5-Star Medicare Advantage Plans All Year
Register with Ritter Insurance Marketing
What Beneficiaries Value Most in Medicare Advantage Plans
 
References:
“Low Incomes, Little Savings: Many Medicare Beneficiaries Have Modest Financial Resources to Draw Upon in Retirement .” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/low-incomes-little-savings-many-medicare-beneficiaries-have-modest-financial-resources-to-draw-upon-in-retirement/.
“Medicare Advantage Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 8 Dec. 2025.
“Outbound Education and Verification Calls to All New Enrollees.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/downloads/MMGSection70-6Rev.pdf. Accessed 8 Dec. 2025.
“Part D Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 8 Dec. 2025.
Sparks, Grace et. al. “Public Opinion on Prescription Drugs and Their Prices.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/health-costs/public-opinion-on-prescription-drugs-and-their-prices.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel  
 
Not affiliated with or endorsed by Medicare or any government agency.

Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them

It’s important that agents are equipped to handle Medicare grievances when they arise. Listen to learn how to prepare and best practices for avoiding these situations.
 
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
A Review of Integrity’s Top Medicare Quoting Tools
Do’s and Don’ts of Medicare Compliance
IntegrityCONNECT
PlanEnroll
PlanEnroll Client Sync Tutorial PDF
Rules for Hosting a Compliant Medicare Educational Event
Rules for Hosting a Compliant Medicare Sales Event
The Survivor’s AEP Checklist
Updates to the 2026 AHIP Certification You Should Know
What Agents Can’t Say During Medicare Sales Appointments
What Not to Say During Medicare Educational and Sales Events
What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales
References:
“Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 26 Nov. 2025.
“Closed Confirmed Consumer Complaints by Coverage Type - CIS.” Closed Confirmed Consumer Complaints by Coverage Type - CIS, https://content.naic.org/cis_agg_type.htm. Accessed 26 Nov. 2025.
“Filing a Complaint.” Medicare, https://www.medicare.gov/providers-services/claims-appeals-complaints/complaints. Accessed 26 Nov. 2025.
“Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, https://www.medicare.gov/. Accessed 26 Nov. 2025.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

What Are the ACA Marketplace Alternatives for Health Insurance?

The Affordable Care Act health insurance is a great option for many. But it may not be the right fit for your clients. Discover ACA alternatives that fit your clients’ needs.
 
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
ACA 101: Selling Under-65 Health Insurance
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products
Government & Insurers Reconsider Short-Term Limited Duration Product Changes
How the ACA Subsidy Cliff Impacts Client Shopping for Marketplace Coverage
How to Prepare for AEP Like a Pro
How Much Money Can Agents Make Selling Ancillary Health Insurance
Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule
Secure a Bigger, Better Business with Ancillary Products
The One Big Beautiful Bill: What Health Insurance Agents Should Know 
References:
“E&O Insurance for Insurance Agents.” Insureon, www.insureon.com/insurance-agent-business-insurance/errors-omissions. Accessed 5 Nov. 2025.
Stevenson, Michael. “Mid-Year 2025 Employee Benefits Market Update: 4 Trends to Watch.” Seubert, 7 Aug. 2025, www.seubert.com/blog/mid-year-2025-employee-benefits-market-update-4-trends-to-watch/.
“Minimum Essential Coverage.” CMS.Gov, www.cms.gov/marketplace/health-plans-issuers/minimum-essential-coverage. Accessed 5 Nov. 2025.
“Minimum Essential Coverage (MEC) - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/minimum-essential-coverage/. Accessed 5 Nov. 2025.
“Qualifying Health Coverage - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/qualifying-health-coverage/. Accessed 5 Nov. 2025.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
 
Not affiliated with or endorsed by Medicare or any government agency.

Questions to Ask Clients Shopping for an ACA Plan

Use these questions to help your client find the right Affordable Care Act coverage!
Read the text version
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Tips for Finding Supplemental Coverage for ACA Plans
ACA Enrolment Periods Explained
Everything You Need to Know About the ACA OEP
FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans
How the ACA Subsidy Cliff Impacts Shopping for Marketplace Coverage
How to Help Client Navigate ACA Marketplace Subsidies & Taxes
Meet Your Sales Team
Surviving OEP
The Ritter Docs – Under 65
There’s More to Life Insurance Than Just a Policy
The State of the ACA Market in 2025
Understanding ACA Plan Metal Tiers
Understanding the ACA Marketplace & Exchanges
What the Inflation Reduction Act Means for Your Medicare & ACA Clients
 
References: 
“Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 4 Dec. 2025.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

The 2026 Medicare Part D Redesign Changes Agents Should Know

New coverage year, new changes to Medicare Part D! Don't miss our refresher on the Part D Redesign updates coming in 2026. Familiarize yourself with these changes now so you can be a helpful resource for your clients!
 
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
2025 Medicare Part D Redesign Updates
The Medicare Part D Creditable Coverage Determination Changes for 2025 or Beyond
 
References:
“Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 19 Nov. 2025.
“Fact Sheet: President Donald J. Trump Announces Actions to Lower Prescription Drug Prices.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/fact-sheets/2025/04/fact-sheet-president-donald-j-trump-announces-actions-to-lower-prescription-drug-prices/.
“Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions. Accessed 19 Nov. 2025.
“H.R.5376 - 117th Congress (2021-2022): Inflation Reduction Act of 2022 | Congress.Gov | Library of Congress.” Congress.Gov, https://www.congress.gov/bill/117th-congress/house-bill/5376. Accessed 19 Nov. 2025.
“Lowering Drug Prices by Once Again Putting Americans First.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/presidential-actions/2025/04/lowering-drug-prices-by-once-again-putting-americans-first/.
“Medicare Part D Creditable Coverage: CMS Finalizes Revised Simplified Determination Method for 2026.” Risk Strategies - Part of the Brown & Brown Team, https://www.risk-strategies.com/blog/medicare-part-d-creditable-coverage-cms-finalizes-revised-simplified-determination-method-for-2026. Accessed 19 Nov. 2025.
“Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medicare-prescription-payment-plan. Accessed 19 Nov. 2025.
 Santiago, Abdie, and Stephnie A. John. “The IRA in 2025: The Future of Medicare Part d.” Mintz, https://www.mintz.com/insights-center/viewpoints/2146/2025-02-13-ira-2025-future-medicare-part-d. Accessed 19 Nov. 2025.
Aboulenein, Ahmed. “Trump Signs Healthcare Executive Order That Includes a Win for Pharma Companies | Reuters.” Reuters, https://www.reuters.com/world/us/trump-signs-healthcare-executive-order-that-includes-win-pharma-companies-2025-04-15/. Accessed 19 Nov. 2025.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel  
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Things to Think About Post-AEP

In this episode we’re highlighting some important things to think about while AEP is still fresh in your mind.
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
3 Benefits of Contracting to Sell Medicare Advantage Plans Outside of AEP
8 Powerful Practices for Selling Prescription Drug Plans
2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D
A Review of Integrity’s Top Medicare Quoting Tools
Carriers with Ritter
Get a FREE Portfolio Review
IntegrityCONNECT
Insurance Agents as TPMOS: What CMS Compliance Regulations Mean for You
Meet Your Sales Team
PlanEnroll – Take Your Business to the Next Level
Ritter Summits
Surviving AEP
The Benefits of Joining a Top Insurance FMO
The Definitive Guide to Getting Leads and Prospecting for Medicare Sales FREE eBook
The Ritter Platform
The Ultimate Agent Resource List Pt. 3: Staying Organized
What Agents Forget to Do When Preparing for Appointments
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

4 Ways to Help Your Clients Find Their Medicare Beneficiary Identifier

Your client’s Medicare Beneficiary Identifier is an important piece of the enrollment application. Discover the multiple ways for a client to locate their MBI and why it’s important.
 
Read the text version
 
🤝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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Stress Relief Tips to Get You Through AEP
The 2026 COLA Increase & How it Affects Your Clients
What CMS Requires Agents to Discuss Prior to Medicare Enrollments
 
References:
“Contact Medicare.” Medicare, www.medicare.gov/talk-to-someone. Accessed 12 Nov. 2025.
“Medicare Beneficiary Identifiers (Mbis).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/training-education/partner-outreach-resources/new-medicare-card/medical-beneficiary-identifiers-mbis. Accessed 12 Nov. 2025.
“The United States Social Security Administration.” Social Security, www.ssa.gov/. Accessed 12 Nov. 2025.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel  
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Tips for Working With a Difficult Client

Every career field has its challenges. One challenge you’ll likely encounter at some point as an insurance agent is a difficult client. In this episode, we’ve got tips and advice about what to do in those situations!
 
Read the text version 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Medicare Myths Your Clients May BelieveField Notes on Digital Marketing ResourcesHow Client Retention Boosts Insurance SalesKeys to Client Retention: Digital Communication Keys to Client Retention: Face-to-Face CommunicationPlanEnroll – Quoting & Enrollment PlatformThe Complete Guide to Client Loyalty and Retention FREE eBook DownloadThe Ritter PlatformWhat Agents Can’t Say During Medicare Sales Appointments
 
References:
Sloan, Kayla. “4 Reasons You Shouldn’t Drop a Client on a Whim.” Due, 21 Feb. 2023, https://due.com/drop-a-client/.
“Explore Your Medicare Coverage Options.” Medicare.Gov, https://www.medicare.gov/plan-compare/. Accessed 6 Oct. 2025.
 
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/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.