The Broker Link
The Broker Link empowers insurance agents to sell more, earn more and stay independent. Hosted by The Brokerage Inc.
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Smarter Coverage, Lower Costs: Inside Physicians Mutual’s Plan G
05/12/2026
Smarter Coverage, Lower Costs: Inside Physicians Mutual’s Plan G
On this episode of The Broker Link Podcast, host Leigha Hayes sits down with Robert Davis from Physicians Mutual to discuss innovative solutions in today’s Medicare market. Robert shares details about Physicians Mutual’s unique Plan G Medicare supplement, which features a disappearing deductible and lifetime discounts, often making it 20–40% more affordable than traditional Plan G options. He explains that the ideal clients for this plan include healthy individuals, retirees with HSAs, and consumers already comfortable with high-deductible health plans. The conversation also dives into some of the biggest challenges facing the Medicare industry today, including medical inflation, fraud, and market instability. Robert emphasizes the value of working with trusted legacy carriers that continue to adapt and innovate for both agents and clients. In addition to Medicare supplements, Robert introduces Physicians Mutual’s new dental product featuring no annual maximum, along with a competitive final expense solution offering flexible term options and strong rates. This episode is packed with valuable insights for agents looking to better serve clients while staying ahead in a changing Medicare landscape. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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2027 CMS Medicare Final Rule: What Agents Need to Know
04/09/2026
2027 CMS Medicare Final Rule: What Agents Need to Know
In this episode of The Broker Link Podcast, Mike Smith and Josh Slattery break down the key updates from the 2027 CMS Medicare Final Rule and what it means for agent partners. One of the biggest headlines is the rate increase for Medicare Advantage plans, rising from 0.9% to 2.48%, which injects approximately $13 billion into the system. While this funding boost is significant, it will likely influence product design, including potential reductions in certain non-essential supplemental benefits. The discussion also highlights the codification of the Inflation Reduction Act provision that caps out-of-pocket prescription drug costs at $2,100, providing greater financial protection for beneficiaries. From a compliance standpoint, several important changes are addressed. The removal of the 48-hour waiting period for Scope of Appointment and the reduction of call recording retention requirements from 10 years to 6 years are expected to streamline agent workflows while maintaining regulatory standards. The episode also explores the evolving focus of Star Ratings, with a shift toward clinical outcomes and away from administrative measures — signaling a broader move toward quality of care and patient results. The Brokerage Inc. will continue to keep you informed about CMS changes for 2027. Visit our website, to learn more. Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Meet Colby Cox: Growing Life & Annuities at The Brokerage Inc.
04/07/2026
Meet Colby Cox: Growing Life & Annuities at The Brokerage Inc.
In this episode of The Broker Link Podcast, Cristal Bustillos introduces Colby Cox, the new Director of Sales in the Life Department at The Brokerage Inc. Colby shares his background, from his Texas roots and time at Texas A&M University to his transition from coaching into the insurance industry. He discusses his first few weeks in the role, with a strong focus on growing the brokerage’s presence in life insurance and annuities. Throughout the conversation, Colby emphasizes the importance of truly understanding insurance concepts rather than focusing solely on specific products. He encourages agents to build a strong foundation of knowledge so they can better serve their clients and grow their business. Colby also makes it clear that he is here as a resource — committed to supporting agents, answering questions, and helping them succeed in the life and annuity space. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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The Long Game in Insurance: 25 Years of Experience with Luis Moreno
03/24/2026
The Long Game in Insurance: 25 Years of Experience with Luis Moreno
In this episode of The Broker Link Podcast, Mike Papuc and Danielle Tworek sit down with Luis Moreno, owner of Simply Health Insurance, to discuss his 25-year journey in the insurance industry. Luis shares how he first obtained his life and health insurance license in 1999 while transitioning from a career in teaching. Over the years, he built experience across multiple areas of the industry, including time in the military and working with Mutual of Omaha before launching his own Farmers Insurance agency in 2001. As the market evolved, Luis expanded his business to include Affordable Care Act marketplace plans and Medicare in 2014, helping clients access comprehensive health coverage while continuing to grow his agency. Luis also discusses his passion for mentoring new agents. Through his YouTube channel and the Skool platform, he provides training and support to help agents build confidence and develop their businesses. His advice for new agents is simple: get contracted now, invest in training, and offer a full range of insurance solutions so clients can rely on you as a trusted advisor. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Medicare Supplement vs. Medicare Advantage: What Agents Need to Know
03/11/2026
Medicare Supplement vs. Medicare Advantage: What Agents Need to Know
In this episode of The Broker Link Podcast, Regional Sales Directors Cynthia Rosales and Leigha Hayes break down one of the most common questions agents face: Medicare Supplement vs. Medicare Advantage plans. The conversation begins with Original Medicare, which typically covers about 80% of approved medical costs, leaving beneficiaries responsible for the remaining 20%. Cynthia and Leigha explain how Medicare Supplement Plan G can help fill that gap by providing predictable coverage for many out-of-pocket expenses. They discuss guaranteed issue opportunities for Medicare Supplement plans, including when individuals turn 65 or transition off employer group coverage. While Plan G benefits are standardized across carriers, premiums can vary — with typical monthly costs for a 65-year-old female ranging between $100 and $200 depending on the carrier and location. The episode also explores Medicare Advantage plans, which often feature $0 premiums but require copays and cost-sharing when services are used. These plans may also bundle additional benefits such as prescription drug coverage, dental, vision, and hearing services. Cynthia and Leigha emphasize that both Medicare Supplement and Medicare Advantage plans include out-of-pocket maximum protections, helping beneficiaries manage financial risk while choosing the coverage option that best fits their healthcare needs and budget. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! Linkedin: Facebook: Instagram: YouTube: Website:
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Business Insurance Planning 101: Key Person, Buy-Sell & Disability Coverage
03/03/2026
Business Insurance Planning 101: Key Person, Buy-Sell & Disability Coverage
In this episode of The Broker Link Podcast, Chris Newberry and Cristal Bustillos break down essential business insurance strategies every advisor should understand — and every business owner should implement. The conversation centers on key person insurance and buy-sell agreements, two critical tools for protecting business continuity. Key person insurance provides financial stability to a company if a vital employee or owner passes away, helping offset lost revenue and operational disruption. Buy-sell agreements, when properly funded with life insurance, ensure smooth ownership transitions and protect both partners and families from financial uncertainty. Chris and Cristal emphasize the importance of proactive planning and discuss how complementary business valuations help owners understand their true exposure and funding needs. They also explore worksite marketing opportunities, available to businesses with as few as 15 employees. With guaranteed issue options and portable coverage, these policies offer meaningful benefits to employees and their families — while creating strong revenue opportunities for agents. Additionally, the episode covers disability insurance, including income protection and business overhead expense coverage — critical safeguards that protect both personal paychecks and company operations. Whether you're advising business owners or looking to grow your book of business, this episode highlights why business insurance planning is not only essential for clients, but also a highly profitable line of coverage for agents. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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From Sacrifice to Success: Launching Texas Power Insurance
02/18/2026
From Sacrifice to Success: Launching Texas Power Insurance
In this episode of The Broker Link, host Mike Papuc sits down with Jessica and Sabin Lopez to share the inspiring story behind the launch of Texas Power Insurance. They reflect on their early days in the industry, the challenges they faced, and the defining moment in 2021 when they made the bold decision to start their own agency. A major theme throughout the conversation is the importance of having the right partner—someone who shares your values, work ethic, and long-term vision. Jessica and Sabin emphasize that success isn’t just about production. It’s about loyalty, trust, compliance, and a commitment to educating both brokers and clients. They share the sacrifices required to build something meaningful—long hours, missed personal moments, and the discipline needed to stay focused on the bigger picture. Their message to aspiring agency owners is clear: Have a strategy. Stay disciplined. Surround yourself with the right support system. And don’t underestimate the power of faith and perseverance. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Insure Your Love Month: Products That Matter Most
02/10/2026
Insure Your Love Month: Products That Matter Most
In this episode of The Broker Link, Crystal Bustillos and Chris Newberry explore a variety of insurance solutions under the theme “Insure Your Love Month,” focusing on products that help protect families, legacies, and financial security. They begin with final expense insurance, highlighting its simplicity and accessibility. These policies help cover funeral costs and outstanding debts, with coverage options up to $50,000 for simplified issue and $25,000 for guaranteed issue, making them an approachable solution for many clients. The conversation also introduces the Gerber Children’s Grow-Up Plan, which allows families to secure life insurance early, with the face amount doubling at age 18 without a premium increase—a long-term planning tool that offers lasting value. Crystal and Chris discuss the importance of long-term care insurance, whether as a standalone policy or an add-on, emphasizing the high likelihood of future care needs and the financial strain it can place on families. Additional products covered include term life, whole life, IUL, universal life, annuities, disability insurance, and life settlements, giving agents a broad perspective on how to tailor coverage to meet clients’ evolving needs. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Ready to Grow? How Agents Can Build Full-Service Agencies
02/03/2026
Ready to Grow? How Agents Can Build Full-Service Agencies
In this episode of The Broker Link, David Ireland and Scott Christie share valuable insights on how Medicare-focused agents can successfully grow their businesses into full-service agencies. The discussion explores two primary growth models. The traditional independent agent model focuses on building a team by hiring back-office support and recruiting independent agents to expand production. The Licensed Agent of Agency (LOA) model takes a different approach by hiring employees who work under the agency while earning a base salary combined with commission opportunities. David and Scott emphasize the importance of maintaining ownership and control of client relationships while implementing technology solutions to effectively manage client data and communication. They also highlight the opportunity for agents to strengthen their business by cross-selling additional products such as hospital indemnity, long-term care, and other supplemental coverage options. The conversation reinforces the importance of establishing a strong business foundation, including forming an LLC and creating clear operational structures. Agents are encouraged to leverage brokerage partnerships for resources, training, and operational support to accelerate growth and long-term success. This episode provides practical guidance for agents looking to transition from individual production to building scalable, sustainable agencies. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Building Momentum: Life Sales Wins in 2025 and What’s Ahead for 2026
01/20/2026
Building Momentum: Life Sales Wins in 2025 and What’s Ahead for 2026
In this episode of The Broker Link, Chris Newberry is joined by Sherry Kelson and Cristal Bustillos to recap a standout year for the Life team and preview what’s coming next. The conversation highlights 2025 as a milestone year—ranking as the second-best year in Life sales and the best year ever for Final Expense and Annuities. The team credits this success to agent engagement, diversification, and a strong focus on education and support. Looking ahead to 2026, several exciting initiatives are on the horizon. The team reintroduces the Life Bonus Program, designed to reward agents based on production, along with Brokerage Bucks, which allows agents to earn credits simply by submitting business. They also discuss the rollout of the Firelight platform, which will streamline quoting and submissions to improve efficiency and ease of use. Ongoing education remains a top priority, with plans for monthly webinars, personalized training sessions, and the introduction of a customized life insurance menu to better support agents and their clients. The episode also reinforces the importance of diversification, encouraging agents to expand into annuities, long-term care, and other complementary products. This episode is a must-listen for agents looking to build on 2025’s momentum and position themselves for continued growth in 2026. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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UnitedHealthcare in the ACA Market: Data, Value-Based Care, and What Agents Need to Know
01/13/2026
UnitedHealthcare in the ACA Market: Data, Value-Based Care, and What Agents Need to Know
In this episode of The Broker Link Podcast, Mike Papuc and Sonia Porras take a deep dive into UnitedHealthcare’s growing role in the ACA market and what it means for agents and consumers. As a top-five Fortune 500 company, UHC continues to expand its footprint across multiple product lines, leveraging robust data and analytics to design plans that better meet member needs. The conversation highlights how UHC uses data to inform healthcare delivery while addressing social determinants of health, helping improve access, outcomes, and long-term member satisfaction. Mike and Sonia also discuss the potential impact of expiring enhanced premium tax credits, noting how consumer behavior may shift from Silver plans toward Bronze or Gold options as affordability becomes a key factor. A key focus of the episode is UHC’s value-based care partnership with Sanitas in the San Antonio market, which brings primary care, preventive services, and specialty care together under one roof for a more integrated member experience. The episode wraps with encouragement for agents to diversify their portfolios, stay informed during market uncertainty, and continue delivering exceptional service to clients navigating ACA decisions. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Understanding Medicare OEP: Rules, Timing, and Opportunities for Agents
01/06/2026
Understanding Medicare OEP: Rules, Timing, and Opportunities for Agents
In this episode of The Broker Link Podcast, the focus is on the Medicare Advantage Open Enrollment Period (OEP), which runs from January 1 through March 31. Josh Slattery breaks down what OEP means for both beneficiaries and agents, emphasizing that this window allows Medicare Advantage members to make a one-time plan change if their current coverage no longer meets their needs. The discussion covers key effective dates—and clarifies important marketing and compliance guidelines. While agents cannot actively urge beneficiaries to enroll during OEP, general marketing and education remain permitted. Josh also highlights the importance of retail presence and community outreach, particularly for members experiencing buyer’s remorse after AEP. He provides historical context on OEP, noting its reintroduction in 2019, and clarifies that standalone Part D plans are not included during this period. This episode equips agents with the knowledge they need to stay compliant, support their clients effectively, and identify meaningful opportunities during OEP. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Breaking Down CMS’s Proposed 2027 Rule with Josh Slattery
12/18/2025
Breaking Down CMS’s Proposed 2027 Rule with Josh Slattery
In this episode of The Broker Link, Gillan Boyer and Josh Slattery unpack the proposed CMS 2027 rule and what it could mean for agents, consumers, and the future of the insurance industry. The discussion highlights a clear shift toward deregulation, with several proposed changes aimed at reducing administrative burden while increasing flexibility for both agents and consumers. Key topics include updates to Special Enrollment Period (SEP) rules, allowing plan changes when providers leave a network, and the removal of the 12-hour delay between educational and marketing events. Gillan and Josh also break down proposals to shorten record retention requirements for call recordings, simplify TPMO disclaimers, and eliminate certain low-value compliance requirements. The conversation explores how these changes could give agents more time to focus on what evidence shows matters most — educating and serving clients. Additionally, the episode covers proposed updates to the Stars program and discusses the long-term impact of making IRA changes permanent, particularly regarding Part D cost structures. Overall, the proposed 2027 rule signals a meaningful shift in CMS’s approach — one that industry professionals are cautiously optimistic about as it moves toward a more practical, agent-friendly regulatory environment. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Ripped From the Headlines: What Kyle Busch’s $8.5M Lawsuit Really Means for IUL
12/09/2025
Ripped From the Headlines: What Kyle Busch’s $8.5M Lawsuit Really Means for IUL
In this episode of The Broker Link, Gillan Boyer and Chris Newberry explore the headline-grabbing lawsuit filed by NASCAR driver Kyle Busch, who is suing Pacific Life Insurance for $8.5 million. Busch alleges that his index universal life (IUL) policy was designed to over-compensate the agent, ultimately hurting the long-term performance of his plan. Chris breaks down what’s actually happening behind the scenes and offers clarity for advisors who may be fielding client questions. He emphasizes that IUL remains a strong and effective product when designed properly — and that this case appears to stem from the agent’s compensation structure, not the integrity of Pacific Life. The conversation reinforces a key message for agents: 👉 Good advisors put client needs first. When policies are structured for the client — not the commission — performance, trust, and long-term relationships thrive. A timely, educational episode that reminds the industry to stay focused on ethics, transparency, and client-first solutions. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Exploring Alternate Health Solutions for 2026: Meet Presidio Healthcare
12/03/2025
Exploring Alternate Health Solutions for 2026: Meet Presidio Healthcare
In this episode of The Broker Link, National Health Sales Director Mike Papuc breaks down what agents can expect heading into the 2026 Open Enrollment Season — especially in light of the final CMS rules. With rising demand for alternate solutions outside the ACA market, Mike introduces Presidio Healthcare, a new carrier partner now available in Texas. Mike is joined by Cameron Mason, COO of Presidio, who shares insight into their flagship offering: The Fortress Plan, a non-ACA solution created to provide more affordability and flexibility for consumers. The plan features a $0 deductible, 50% coinsurance, and low max out-of-pocket options ranging from $2,500–$10,000. It also includes benefits for specified diseases and accidents, and offers maternity coverage with a $5,000 deductible during the first year. Presidio has aggressive growth plans, aiming to expand into 5–10 states by 2026, giving agents more tools to serve clients effectively in a shifting health insurance landscape. Mike emphasises that understanding and offering alternate solutions will be crucial as agents prepare for another dynamic enrollment season. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Inside Oscar Health: Growth, Innovation & the Future of ACA Coverage
11/19/2025
Inside Oscar Health: Growth, Innovation & the Future of ACA Coverage
In this episode of The Broker Link, Mike Papuc, National Health Sales Director at The Brokerage Inc., sits down with Breck Garrett, Texas Leader for Oscar, to explore the company’s rapid growth and forward-thinking strategy in the ACA marketplace. Oscar has surged past 2 million members and is preparing to expand into 20 states by 2026, including new markets like Alabama and Mississippi. Breck shares how Oscar is differentiating itself by designing personalized plans tailored to specific health needs — including solutions for diabetics, menopausal women, and other unique member populations. The conversation also highlights Oscar’s new AI-powered member support platform, Oswell, built to deliver faster answers, smarter navigation, and a more intuitive experience for members. With a Net Promoter Score in the low 60s, Oscar continues to lead the way in member satisfaction. Agents will also appreciate Oscar’s enhanced broker portal, offering real-time performance tracking and actionable insights to help partners grow and support their clients more effectively. This episode is a must-listen for agents looking to stay ahead of ACA trends and understand where the market is headed. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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GOVERNMENT SHUTDOWN UPDATE: What does this mean for the ACA?
11/10/2025
GOVERNMENT SHUTDOWN UPDATE: What does this mean for the ACA?
In this timely episode of The Broker Link, Mike Papuc, National Sales Director for Health at The Brokerage Inc., joins Gillan Boyer to break down what the current government shutdown discussions could mean for the Affordable Care Act and the agents serving ACA members during open enrollment. Mike outlines clear, actionable strategies to help agents navigate uncertainty—starting with segmenting their client books based on Cost Share Reductions (CSRs) and overall eligibility for financial assistance. He walks through when to recommend $0 plans and how to position Bronze, Silver, and Gold options depending on a client’s unique circumstances. The conversation also covers alternative solutions, such as short-term medical and affordable choice products, especially important if enhanced subsidies are not extended. While projections show that the market could shrink by up to 30% without those subsidies, Mike shares encouraging news: The Brokerage Inc. is seeing a 66% year-over-year increase in ACA membership enrollments, signaling strong agent performance and consumer demand. Mike and Gillan close by urging agents to stay proactive, consistent, and relationship-focused. Serving clients well during uncertainty is what creates long-term trust—and long-term business. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Long-Term Care Awareness Month: Protecting Your Clients’ Futures
11/04/2025
Long-Term Care Awareness Month: Protecting Your Clients’ Futures
In this episode of The Broker Link, Cristal Bustillos from The Brokerage Inc. highlights the importance of Long-Term Care Awareness Month and why every advisor should be helping clients prepare for future care needs. Crystal discusses the rising costs of nursing homes and assisted living facilities and explains that Medicare and Medicaid offer limited coverage, leaving many families unprepared for the financial and emotional burden of long-term care. She shares practical solutions like long-term care insurance and life insurance policies with LTC riders, which can help clients maintain their financial security and personal dignity as they age. Crystal also encourages agents to continue their education by: Attending training sessions and webinars Using tools like the Cost of Care Calculator Completing long-term care certification courses Reviewing product guides and available resources As the year comes to a close, she reminds agents that December is the perfect time to tie up loose ends and plan ahead for a successful new year. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Bridging the Gap: UHC & Sanitas Clinics Bring Value-Based Care to San Antonio
10/29/2025
Bridging the Gap: UHC & Sanitas Clinics Bring Value-Based Care to San Antonio
In this episode of The Broker Link, Mike Papuc and Sonia Porras dive into the exclusive ACA partnership between UnitedHealthcare and Sanitas Clinics, a collaboration that’s reshaping access to care in the San Antonio community. Focused on value-based care, this partnership aims to deliver comprehensive, culturally aligned healthcare — from preventive medicine to mental health services — to better serve the Hispanic community, where more than 200,000 individuals remain uninsured. Listeners will learn how this partnership is designed to make coverage more accessible and sustainable through: 💡 Affordable plan options, including a $0 deductible Bronze plan 🩺 Comprehensive primary and virtual care ❤️ Community outreach and long-term health initiatives 💬 Commitment to maintain current commissions for agents Together, UnitedHealthcare and Sanitas Clinics are setting a new standard for community-based, value-driven healthcare in San Antonio. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Rethinking Employee Benefits: The Rise of ICHRAs with Ameriflex
10/23/2025
Rethinking Employee Benefits: The Rise of ICHRAs with Ameriflex
In this episode of The Broker Link, host John Ross Hopkin sits down with Christapher Estep, Vice President of Sales Midwest at Ameriflex to dive into the growing world of Individual Coverage Health Reimbursement Arrangements (ICHRAs). Introduced in 2018, ICHRAs are transforming how employers offer health benefits — giving businesses the ability to set defined allowances while empowering employees to choose their own health insurance plans. John and Christopher break down how this model provides flexibility, cost control, and satisfaction for both employers and employees. Tune in to learn why 90% of employers who switched to ICHRAs are staying with them, why 92% of employees say they’re satisfied, and how Ameriflex’s TAP plan is setting a new standard with compliance support, extra benefits, and a 98% client retention rate. This episode will give you the insights you need to understand why ICHRAs are one of the fastest-growing trends in employee benefits. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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The Power of Staying Connected: How Support Fuels Agent Success
10/14/2025
The Power of Staying Connected: How Support Fuels Agent Success
In this episode of The Broker Link, Mike Papuc and Trey Owens dive into the heart of what keeps agents thriving—consistent communication and meaningful support. They discuss the importance of upline check-ins that aren’t driven by an agenda but by a genuine desire to help agents grow. Trey shares insights from his experience with health insurance carriers, emphasizing that open communication is the key to lasting success. Mike adds that understanding each agent’s personal goals is essential to helping them achieve professional success. Together, they highlight how a lack of support can hold agents back, and why The Brokerage’s commitment to partnership makes all the difference. The episode wraps with a powerful reminder: don’t hesitate to speak up about what you need—your success starts with connection. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Fall Into Final Expense: Simplifying End-of-Life Planning
10/07/2025
Fall Into Final Expense: Simplifying End-of-Life Planning
In this episode of The Broker Link, Cristal Bustillos from The Brokerage Inc. explores the growing importance of final expense insurance, especially for baby boomers nearing retirement. With rising funeral and burial costs, the demand for affordable and straightforward coverage continues to grow. Cristal explains how final expense insurance offers easy qualification, with many plans providing guaranteed coverage. She also introduces a helpful cheat sheet available on The Brokerage Inc. website, outlining carrier options, underwriting types (Simplified Issue and Guaranteed Issue), and coverage limits — up to $25,000 for Guaranteed Issue and $50,000 for Simplified Issue. Agents can also access valuable resources like the Agent Portal, which streamlines the process with electronic applications and real-time status tracking. Whether you’re new to final expense insurance or looking to expand your portfolio, this episode offers practical tools and insights to help you better serve your clients. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Join Us for the 2026 Kickoff
08/20/2025
Join Us for the 2026 Kickoff
In this episode of The Broker Link, The Brokerage Inc. highlights the upcoming 2026 Kickoff Events designed to help agents gear up for both AEP and OEP. These in-person events will be hosted across multiple cities — Miami, Tampa, Houston, San Antonio, El Paso, Harlingen, Corpus Christi, and Dallas — bringing together local carrier reps, provider groups, and our Brokerage leadership team. Attendees can look forward to: Expert panel discussions The latest industry updates Best practices from top-performing agents Networking opportunities with carriers and peers Plus, enjoy exciting extras like raffles, free professional headshots, and one-on-one time with carrier representatives. 📍 Don’t miss your chance to learn, connect, and prepare for a successful year. Visit brokerageinc.com/kickoff to RSVP and reserve your spot today! Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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The Role of Life Insurance in Back-to-School Planning
08/12/2025
The Role of Life Insurance in Back-to-School Planning
In this episode of The Broker Link, Crystal Bustillos from The Brokerage Inc. discusses how the back-to-school season is the perfect time for agents to talk with parents about long-term financial planning—specifically life insurance. She highlights how juvenile life insurance can lock in low premiums, secure lifetime insurability, and build cash value for future expenses like college, a first home, or a wedding. Crystal reviews standout products, including Gerber’s Children’s Whole Life and United of Omaha’s Children’s Whole Life, plus IUL options for kids. She explains key features like guaranteed purchase options, face amount increases at age 18, and underwriting guidelines. This episode is full of actionable ideas for helping families protect their children’s futures while easing financial stress during the busy school season. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Aetna & Cigna: What’s New for 2026 with Josh Slattery
08/05/2025
Aetna & Cigna: What’s New for 2026 with Josh Slattery
In this episode of The Broker Link, Josh Slattery breaks down key carrier updates that will impact Medicare Advantage and Part D plans in 2026. Highlights include: 🔄 Cigna's rebrand to HealthSpring Following its acquisition by HCSC, Cigna’s Medicare Advantage and Part D plans will now be branded under HealthSpring. The focus will shift to HMO plans and expanded C-SNP offerings, with continued support for members with partial Medicaid eligibility. 💊 New HealthSpring benefits Expect features like a $0 tier one copay and RX deductibles on tiers 3–5, offering competitive value for members. 📈 Aetna's strategy for 2026 Led by Steve Nelson, Aetna is focused on regaining market share through D-SNP and C-SNP expansion, zero premium plans, and $0 PCP copays—all while reinforcing stability and broker support. Both carriers are prioritizing member rewards, enhanced broker tools, and adapting to regulatory changes heading into the new plan year. This episode is packed with the strategic insight agents need to stay competitive and informed for AEP 2026. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Retain Your Clients This AEP with Our Member Retention Program
07/29/2025
Retain Your Clients This AEP with Our Member Retention Program
In this episode of The Broker Link, Josh Slattery shares insights on the upcoming Member Retention Program, designed to help insurance agents proactively retain clients amid rising plan terminations and cost increases. Josh highlights: The success of last year’s retention campaign Why having a CRM and streamlined processes is critical Free tools available: direct mail, email templates, and QR codes in both English and Spanish How Medicare Pro organizes data and integrates with Simply Enroll The program is completely free and supports up to 1,000 members per agent The episode also spotlights new educational courses and reinforces the importance of local market expertise and year-round client engagement. Whether you're a new agent or an experienced pro, this episode is packed with tools and strategies to build loyalty and boost retention heading into AEP. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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2026 Medicare Preview with Josh Slattery
07/22/2025
2026 Medicare Preview with Josh Slattery
In this episode of The Broker Link, Josh Slattery dives into the 2026 Final Rule and its impact on the health insurance landscape. While this year’s changes are more modest compared to previous updates, several important developments were discussed: GLP-1 Coverage & Debit Card Rules: Proposed changes to expand GLP-1 drug coverage for obesity and revise flex debit card use were not included in the final rule. SSA Qualification Process: The process for Medicare Special Enrollment Periods is now more complex, requiring verification from past claims or providers. Part D Risk Adjustment: Updates were made to help stabilize the Part D market amid growing cost pressures. Medicaid Impacts: The “Big Beautiful Bill” introduced major changes, including work requirements and stricter eligibility limits for Medicaid beneficiaries. Medicare Advantage Update: Penetration rates have reached 53%, but 6% of enrollees faced plan terminations this year. Josh also shares insights on the current regulatory climate, market volatility, and what agents should watch for as policy changes continue to evolve. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Rethinking Benefits: The Rise of ICHRA and What It Means for Agents
07/08/2025
Rethinking Benefits: The Rise of ICHRA and What It Means for Agents
In this episode of the Broker Link, Mike Papuc and JR Hopkin from our Health team dive into the growing momentum behind ICHRA — the Individual Coverage Health Reimbursement Arrangement — and how it’s reshaping the future of employer-sponsored benefits. With 175 million Americans currently covered through group plans and 25 million still uninsured, ICHRA presents a flexible, cost-controlled alternative that empowers employees to choose their own health insurance. Our speakers break down how ICHRA works, its potential to shift 10% of the uninsured into coverage over the next five years, and why agents should take notice. They also highlight the critical role of education, compliance, and working with TPAs to ensure smooth implementation. For brokers and agents, ICHRA represents a new, high-retention revenue stream with strong commission potential. Whether you're new to ICHRA or looking to expand your offerings, this episode lays out why now is the time to get involved. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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Freedom and Financial Security: The Independence Life Insurance Brings
07/01/2025
Freedom and Financial Security: The Independence Life Insurance Brings
In this episode, Crystal Bustillos from The Brokerage Inc. dives into the critical role life insurance plays in achieving financial independence and long-term security. She explains how life insurance not only provides peace of mind by covering funeral costs and lost income, but also offers living benefits through permanent policies like Whole Life or Indexed Universal Life. These policies can build cash value—a flexible financial tool that can be used for emergencies, retirement income, or other major life expenses. Mike Papuc also shares details about an upcoming ACA agent training in Corpus Christi on July 10, encouraging agents to stay engaged and continue learning. She wraps by reminding agents to take full advantage of the resources offered by The Brokerage Inc., including past webinars, training materials, and marketing tools to better serve their clients and grow their business. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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2025 Marketplace Final Rule: What You Need to Know
06/26/2025
2025 Marketplace Final Rule: What You Need to Know
In this episode, we break down the CMS Final Rule for the 2025 Marketplace and what it means for agents, insurers, and consumers. Key highlights include: Past-due premium enforcement: Carriers may require payment of prior premiums before activating new coverage, with flexibility for state-specific rules. Standardized Open Enrollment: → 2026: Nov 1 – Jan 15 → 2027 and beyond: Federal deadline of Dec 15 Tighter eligibility verification: 75% of applications will be randomly selected for verification. DACA exclusion: DACA recipients will no longer be eligible for Marketplace coverage. Financial impact: CMS estimates $12 billion in savings and an average 5% premium reduction due to increased oversight and fraud prevention. This final rule is a major step toward greater compliance, reduced fraud, and a more stable Marketplace. Learn more about partnering with The Brokerage Inc. by visiting our website, . Remember to like, share, and subscribe to our show! New episodes are available every Tuesday. Join our Community! LinkedIn: Facebook: Instagram: YouTube: Website:
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