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You're awesome thank you for these videos!! I just found you today and did the ACA training on CMS...Thank you and ill be watching!! I just signed up for health insurance with Jessi Park at Inspire ..very excited!

For ppl that do have a AOR on record when we pull up their info and they are wanting to change their plan, when do we do the three way call?? Prior to the app or after ??

Can they deny work insurance and get an ACA plan instead?

Also are you enrolling them through Health Sherpa? Wouk love a copy of your intake form

Did you create your own client intake form?

R u an agent or running a ferm regarding insurance ?

Hello . Does Oscar health have bonuses for marketplace for this year?

Thanks for this important information! Will my subsidy be at risk if I sell my primary residence with a (non taxable) gain of $200k?

Thank you!!

If you speak with the customer and they say they are unaware of any broker dealing with them, then sign them up, consent, confirm 👍🏿 and close the 3Cs.

Thank you for your information. I want sell Obama care next year 2025, and I am not insurance agent what do I need?

Hey luis can we do AOR change anytime of the year by calling CMS and is it same with state based exchanges we gotta call cms?

Thanks for the video. If a prospect has never had an ACA plan, do we have to do a 3-way call to CMS to enroll them?

does the crm come w medicare/aca ads?

Hi Luis my name is Omar Diaz i recently got my life and health insurance and i have the possibility to be part of one of two agencys that i know but i don’t really feel confident on be part of any of them i would like to see if you give any kind of consultation services or if i could do a call in order to have more clarity on what other option do i have or what could be the best way to start as agent especially like me that i always be an entrepreneur. Thanks

Luis great videos! How can i get the consent templates for email and text as I'm using Ringy? As far as voice consent what do you say? Hey So-so I'm Jon and do u authorize me to be your aca enroller for 2025?

Luis my man we should hop on a phone call if like to hear more. How can we get in touch

I was so overwhelmed when I had so may questions when I was just dumped contracts and was like ok good luck on your way!

Omg I would love to switch up lines!!!!!!!!I have learn learned so much from you. If I’m in a up line would it be possible to go with you?

Omg I would love to switch up lines!!!!!!!!I have learn learned so much from you

Where can I locate the pre qualification checklist

I just found your video!

You cannot hear the video. Please redo with sound.

Hey Luis on time post!! For marriaged couples that file separate, how do you calculate household income?? Especially when children are involved?

Luis are you using a particular quoting tool that may show which are non commissionable instead of having to use a separate list?

Any updates on molina?

Is this everywhere? I’m filling out the marketplace application in Virginia and it just asked whether or not employee coverage is available… doesn’t say anything about affordability.

This guy speaks FACT!!

Hello everyone I’m health insurance agent. I have a question when I schedule appointment with my client they always turn around and reschedule another appointment. When I call them at that time they never answer the phone. The first appointment is what we agreed on. Once we on the phone they always rescheduling. How can I fit that my time is value so is theirs.

Great news!

Great content as usual. So glad I discovered you recently. Keep plowing forward. I appreciate what you do for the community!

Luis remember this is the last year for the ACA "extra" subsidy's to be continued. 2026 Premiums will sky rocket. Make this last year of current ACA a good one.

ever tried to use an HMO? some areas it's crap.

the crappy part of this whole thing is that it is designed for the annual income and no variations. I looked into this when I was planning early retirement. Work half the year, made over 50k, then stopped working and start SS. Which is significantly less month to month. Only way to do it is wait until the end of the year to quit working and switch to the lower income.

You are so inspiring because you take the time out to share information. You ABSOLUTELY stand out from the rest for sure. You got me appointed with carriers real quick. Andddd no he didn’t pay me to say this. He is actually a man that’s doing what he says.

So I am offered health coverage through a job but my income is variable. My question is when the marketplace asks me how much my employer coverage costs to determine affordability compared to my income, how do I do the calculation if I don't know exactly what my income will be? For example if I put down my income is $50,000 and my job premium is $400 a month that is more than 9.02% of my income so I would be eligible for marketplace subsidies. But at the end of the year if I ended up making $60000 would this mean that I was then ineligible for subsidies the whole year because my employer coverage would have been considered affordable and have to pay back all those subsidies I received? Thank you!!

Mr. Moreno, you are lights out the best there is; always educating, helping, encouraging...I mean, I run out of adjectives. Keep up the great work. You are appreciated!

I want training on ACA. Currently doing Medicare...I'm Bilingual..ready to hear back from you ENJOY YOUR TRIP AND CONGRATS!!!❤ SOFIA CASTILLO FROM TEXAS :)

Do you know if the repayment cap for APTC for low income applies to people that were eligible for employer coverage but forgot to end their marketplace coverage or if they didn't end up making the minimum income to qualify for APTC by the end of the year? Would they have to pay back their full subidy or is there a cap for low income?

Do you have a doc that summarizes all the ACA carrier bonuses?

Off-Exchange pays higher monthly payouts for some carriers. I believe UHC pays $50 a head in PHX

I was trying to see if I can get appointed with Ameritas and work with your company in Final Expense/ACA

Doesn't make any sense, how can they not pay commissions? Nobody works for free?

They folded real quick lol

How do you avoid or handle having so many clients and many of them not updating their applications when they are offered employer coverage and then owing a big bill come tax time because they had other coverage available?

Your the man

Is this only for Medicare?

he's the best upline.

I love the information you provided! When there is a presentation the word are in the way. It would be better if the individual who want or need to use the close caption could use it. Is that because FB don’t have cc?

Luis, are you sharing the google link/list of these non commissionable ? Ty