The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover

Lisa Marzolino and Danica Stover join Sarah to talk about ICHRA (Individual Coverage Health Reimbursement Arrangements) and the partnership between Nexben and Ritter Insurance Marketing. Listen to learn more about this exciting opportunity for agents!
🚨UPDATE: This episode was recorded and produced prior to U.S. District Judge Hurson's decision to stay several provisions from the 2025 ACA Marketplace Integrity and Affordability Rule. For information on those changes, we recommend listening to our August 29th Friday Five episode, Judge Grants Stay on Many 2025 ACA Final Rule Provisions
 
Questions about ICHRA? Ready to get started? Reach out to Nexben at RitterICHRA@nexben.com or call 1-888-613-6461.
 
Resources:
5 Things About ICHRA
How an ICHRA Partnership Can Support ACA Sales
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
Questions to Ask Clients Shopping for an ACA Plan
 
References:
“A Broker’s Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexben.Com, Nexben, 31 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples.
“ICHRA Guide for Individual Coverage HRAS 2025.” Takecommandhealth.Com, Take Command Health, 10 June 2025, www.takecommandhealth.com/ichra-guide.
“ICHRA Reporting Requirements: Details to Know & How Nexben Helps.” Nexben.Com, Nexben, 18 June 2025, www.nexben.com/blog/ichra-reporting-requirements-details-to-know-how-nexben-helps.
“The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers.
 
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Not affiliated with or endorsed by Medicare or any government agency. 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. 

A 2026 D-SNP Market Snapshot ft. Lincoln Lafayette & Anthony Budhar

D-SNP integration changes are about to hit year 2 in 2026. What does that mean for the market? Lincoln Lafayette and Anthony Budhar join Sarah to chat about the D-SNP market in 2026 and the opportunities for agents selling dual-eligible special needs plans.
 
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
 
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Connect with Lincoln & Anthony:
📧Reach out to Lincoln Lafayette
Lincoln on LinkedIn
📧Reach out to Anthony Budhar
Anthony on LinkedIn
 
Resources:
Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans
Midwest State D-SNP Disruption
The Benefits of Selling D-SNPs
The Complete Guide on How to Sell D-SNPs
The Midwest D-SNP Market Shifts to Integrated Plans for 2026 — Will You?
 
References:
“Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f.
“Number of Dual-Eligible Individuals.” KFF.Org, KFF, 7 May 2025, www.kff.org/other/state-indicator/number-of-dual-eligible-individuals/?currentTimeframe=4&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D.
Pena, Maria T., et al. “The Landscape of Medicare and Medicaid Coverage Arrangements for Dual-Eligible Individuals Across States.” KFF.Org, KFF, 24 Oct. 2024, www.kff.org/medicare/issue-brief/the-landscape-of-medicare-and-medicaid-coverage-arrangements-for-dual-eligible-individuals-across-states/.
 
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Not affiliated with or endorsed by Medicare or any government agency.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo

Ever thought about incorporating your insurance business? Not sure if it’s the right move? In this episode, Sarah is joined by attorneys Frank Lavery and Justin Abodalo to learn more about business entities and how they’re structured. Frank focuses on the corporate law side, while Justin specializes in tax implications. Listen as theyir share their knowledge and weigh the pros and cons of each business structure option.
 
Find Frank Lavery Online:
LinkedIn: https://www.linkedin.com/in/frank-lavery-a05a57255/
McNees: https://www.mcneeslaw.com/people/frank-lavery/
 
Find Justin Abodalo Online:
LinkedIn: https://www.linkedin.com/in/justin-abodalo-463b3547/
McNees: https://www.mcneeslaw.com/people/justin-abodalo/
 
References:
Finnerty, Timothy, et al. “Closing Call for the Corporate Transparency Act: Fincen Removes Reporting Requirements for Domestic Business Entities.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 27 Mar. 2025, www.mcneeslaw.com/closing-call-corporate-transparency-act-fincen/.
Abodalo, Justin. “New Digital World, New Category of Form 1099.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 2 Oct. 2024, www.mcneeslaw.com/new-digital-world-form-1099/.
“Tax and Corporate Law Publications.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 30 Apr. 2025, www.mcneeslaw.com/practice/corporate-tax/.
 
Resources:
Building the Foundation for Success ft. Roy Snarr: https://lnk.to/snarr2025
Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025
Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025
Register with Ritter Insurance Marketing
 
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Not affiliated with or endorsed by Medicare or any government agency.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

How to Build Intentional Value ft. Neil Reich

Value is more than just a care model for Neil Reich. He recently joined Sarah to chat about his background in the Medicare Advantage space, his focus on value-based care, and how providing value still drives his business today.
 
Find Neil Reich Online:
Care Connect Agency: https://careconnectagency.com/advisors/
Get the Playbook: https://careconnectadvisors.com/agent-playbook-download-form/
LinkedIn: https://www.linkedin.com/in/neil-reich-3382498
 
Register with Ritter Insurance Marketing
 
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Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ 
 
Not affiliated with or endorsed by Medicare or any government agency. 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. 

Adding Spokes to Your Wheel ft. Robert Rothschild

No need to reinvent the wheel. Sometimes, you just need to add a spoke! Robert Rothschild joins Sarah to chat about his background and what keeps him striving for more.
 
Find Robert Rothschild Online:
LinkedIn: https://www.linkedin.com/in/robert-a-rothschild-mba-a89a2133/
 
Register with the FMO Robert Rothschild Calls Home - Ritter Insurance Marketing! 
 
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Not affiliated with or endorsed by Medicare or any government agency.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Making Your Own Luck ft. Michael Krantz

There’s no substitute for hard work, or “making your own luck.” Michael Krantz, one of New York’s top insurance producers, joined Sarah to talk about success and what drives him to keep going in this industry.
 
Find Michael Krantz Online:
LinkedIn: https://www.linkedin.com/in/michael-krantz-2004401b
Official Website: https://www.withavid.com/
 
Register with Ritter Insurance Marketing!
 
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Not affiliated with or endorsed by Medicare or any government agency.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Operating From a People-First Mentality ft. Scott Zimmerman

Putting others first in a me-first world? Scott Zimmerman joins Sarah to chat about this mentality that we’re all familiar with, and the powerful results it can have on your insurance business.
 
Find Scott Zimmerman Online:
Email: scott@corpstrat.com
Facebook: https://www.facebook.com/scott.zimmerman.75491
Instagram: https://www.instagram.com/thescottzimmerman/
LinkedIn: https://www.linkedin.com/in/scott-zimmerman-9463a12/ 
Official Website: https://www.corpstrat.com/ 
YouTube: https://www.youtube.com/channel/UCqxWt4UeW26lqlQ9Qdz3Uyw
 
Start Working with Ritter Insurance Marketing! 
 
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Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Learning to Delight in the Limelight ft. Linda Ugelow

How unstoppable would you be if you lost the fear of being seen? Linda Ugelow, author of Delight in the Limelight, joins Sarah to talk about how agents can overcome the fear of public speaking, conquer the fear of being on camera, and learn to rightfully bask in the limelight.
 
Order Your Copy of Delight in the Limelight
 
Connect with Linda Ugelow:
Blog
Facebook
Instagram
LinkedIn
Official Website
Podcast
TikTok
YouTube
 
Resources:
5 Tips for New Insurance Agents
5 Tips for Seasoned Insurance Agents
Developing Power Habits ft. Dr. Noah St. John
How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly
How to Ask Your Current Clients for Referrals
 
References:
Ugelow, Linda. Delight in the Limelight: Overcome Your Fear of Being Seen and Realize Your Dreams. Page Two Books, Inc, 2021.
 
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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/
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.