The Medicare Agent Blog

CEO Discusses Market Resilience from 16+ Years as a Medicare Industry Leader

A look back at the 7 industry changes that forced brokers to become more agile in order to be successful.

SACRAMENTO, December 31st, 2019 – An in-depth article, featuring insights and advice from insurance CEO Rosamaria Marrujo discusses what she’s learned about market resilience in the ever-changing Medicare health insurance industry. Despite sweeping changes over the past 15 years, she shares with brokers what she’s learned about success and agility. 

The article begins in 2003 with the Medicare Modernization Act (MMA), which, in hindsight, was one of the most substantial changes to Medicare since the program began. The next decade saw many more changes for brokers and beneficiaries alike.

  • the ‘donut hole’
  • the Affordable Care Act
  • IRMAA (Income Related Monthly Adjustment Amounts)
  • constant changes to enrollment periods
  • MACRA (Medicare Access and CHIP Reauthorization Act)

According to Marrujo, CEO of Trusted American Insurance Agency and board member of the Sacramento Association Health Underwriters (SAHU), brokers in the Medicare industry must be quick to find creative ways to bring value to their clients despite constant legislative changes if they want to be successful.

Looking back at these significant changes, it’s easy to see how certain legislative changes made the Medicare health insurance industry what it is today – and what that means for brokers. Not only has Trusted American Insurance Agency demonstrated market resilience, but it has been growing every year. After years of experience in the Medicare marketplace, Marrujo stated, “the best agents are resilient, proactive, well-informed, and have a willingness to educate.”

Trusted American Insurance Agency is a National Marketing Organization (NMO) headquartered in Rocklin, CA. Trusted American provides a full range of insurance and financial services products across all 50 states for all major and niche carriers, with a specialty in the Senior Marketplace.

The Sacramento Association of Health Underwriters (SAHU) is a local chapter of the California Association (CAHU) and the National Association (NAHU). Our vision is that every American will have access to solutions for health, financial and retirement security, as well as the services of insurance professionals to assist in navigating these areas. SAHU’s mission is to improve our members’ ability to meet the health, financial and retirement security needs of all Americans through education, advocacy, and professional development.

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Trusted American Insurance Agency is a National Marketing Organization (NMO) headquartered in Rocklin, CA. Trusted American provides a full range of insurance and financial services products across all 50 states for all major and niche carriers, with a specialty in the Senior Marketplace.

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