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The insurance industry is very closely related to the type of health insurance sales for a particular plan. With Obamacare, the Obama administration wanted to affect lower insurance premiums for everyone, and remove the nuisance of coverage denials for people with existing medical conditions. With this mammoth aim, they wanted to ensure that young adults enroll with the health insurance platform as they are going to be instrumental in keeping the costs in check. However, the early numbers coming from different states indicate that the health insurance sales automation is actually driving up costs. From the data available from Connecticut and Kentucky, it is obvious that older, unhealthier people are enrolling with the health insurance platform. Information from Connecticut officials states that about 40% of people in the new insurance model are above 55, while only 26% of them are under the age of 35. The data is similar for the state of Kentucky. 39% of enrollees are under the age of 55 while only 24% of them are under the age of 34. While the health insurance sales are decent in these states, they are not helping the cause of low premiums much as more and more unhealthy people are enrolling in the system. If this trend continues, the insurance premiums will go a few notches higher by 2015, ultimately beating the purpose and aim of the new health reform. The same data is being corroborated by insurance payers, who are equally worried about the result achieved through the Obamacare ……………….l health insurance sales automation . However, things are not as bad as they seem. A closer analysis reveals a heartening fact – many young, healthier adults are waiting to sign onto the system once it gets completely fixed. Since older people are more vulnerable and at a greater risk, they have unwaveringly pursued the healthcare.gov website for getting covered, even in the face of errors, bugs and frustrations. On the other hand, the young haven’t invested the time and patience of dealing with the broken health insurance platform yet, but hope to do so as soon as the federal website is working perfectly. The government expects that by the time the enrollment season comes to a close at the end of March, the younger population will get onboard the system and purchase insurance, thereby offsetting the potential increase in health insurance premiums. There could, and will, be last minute signups from this demographic. Since the Obama administration is counting on these signups, it is already seeking to expand health insurance sales in the young adults group. Through education, outreach, and incentives, different states are promoting health insurance to healthier individuals. Maryland I s one of the states to achieve better numbers in this regard, with 34% of enrollees in less than 34 years of age, and only 22% in the above 55 group. The administration is going to take Maryland as the role model, and strive to deliver the same health insurance sales numbers throughout the country. Author is a well known authority on healthcare software solution in the US. She is currently looking to expand his expertise in healthcare software sales and healthcare software solution available.
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