Businesses face tough health insurance choices in 2015, and that means a broker’s job is getting even more difficult. The Affordable Care Act’s individual and employer mandates, coupled with auto-enrollment for employees working in companies with 200 or more workers, mean substantial increases in health insurance costs. Clients are looking to their brokers to find ways to mitigate those costs or the brokers risk losing their client’s confidence.

This adversity presents an opportunity for a prepared broker. Businesses are confused, and concerned that the ACA mandates will bring unmanageable costs. Offering a smart strategy that demonstrates a mastery of the ACA will help a broker to deepen their relationship to their client. 

Medicaid migration, finding and enrolling eligible workers into Medicaid instead of the company plan, is among the best strategies to bring to your clients. By ensuring that every employee who is eligible for Medicaid is enrolled in Medicaid, and that the owner knows the employee is on Medicaid, you can save your clients tens if not hundreds of thousands of dollars. What better way to demonstrate your mastery of the ACA?

Geyerhahn will be speaking at the Workplace Benefits Mania conference in Las Vegas on Thursday, July 31 at 9:45 a.m., addressing the topic: Enroll Low-Income Employees in Medicaid and Generate Substantial Employer Savings. To find out more about WBM, hosted by EBA’s parent company SourceMedia, click here.

Geyerhahn is founder and CEO of Benestream. He can be reached at

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