Regarding health insurance plans, one of the most important things for your customers to understand is the difference between high and low deductibles. Understanding this difference between high and low deductibles can help your clients make an informed decision when selecting a health insurance plan. Here are 8 things for your customers to consider when comparing high vs low deductibles:


High deductibles generally mean lower monthly premiums, while low deductibles typically mean higher monthly premiums. Depending on your budget and healthcare needs, customers need to weigh the pros and cons of higher and lower deductibles to determine what’s best for their situation.


High deductible plans tend to have higher out-of-pocket costs and fewer covered services, while low deductible plans may have more comprehensive coverage but with higher monthly premiums.

Maximum out-of-pocket expenses: 

High deductible plans tend to have higher maximum out-of-pocket expenses, while low deductible plans tend to have lower maximum out-of-pocket expenses. This is an essential factor for clients to consider when selecting a plan.

Tax benefits: 

Some high-deductible plans are eligible for tax benefits. Depending on the situation, these tax benefits could make a high-deductible plan more attractive to customers than a low-deductible plan.

What services are covered: 

Be sure to look closely at what services are covered under a high-deductible plan vs a low-deductible plan. Make sure you understand how the plan works and what services are covered before enrolling.

Copayments and coinsurance: 

Copayments and coinsurance vary among plans and can affect how much clients pay out-of-pocket. In a high deductible plan, customers may pay more out-of-pocket than in a low deductible plan.

Network coverage: 

Network coverage is important to consider when selecting a plan. High deductible plans may have more limited network coverage, so make sure your customers look closely at the provider networks available under each plan.

Prescription drug coverage: 

Many high-deductible plans have limited prescription drug coverage and may require clients to pay more out-of-pocket for their medications. Make sure to remind clients to look closely at prescription drug coverage before enrolling in a plan

When selecting a health insurance plan, it is crucial for shoppers to understand the differences between high and low deductibles. Remind your customers that high-deductible plans can be more cost-effective but may have higher out-of-pocket expenses and more limited coverage. Meanwhile, shoppers should remember that low deductible plans often have higher premiums but more comprehensive coverage. Understanding the benefits and limitations of each option can help consumers make an informed decision that best fits their healthcare needs and budgets.

Access our agent training webinars and live events here!

Agility Producer Support
(866) 590-9771

There are several ways to increase your focus and productivity. Here are a few suggestions to launch your next work session. Following these steps will ensure that you are maximizing your time and energy to get the best result possible as an employee or as a small business owner:

  1. Set clear goals and priorities for your tasks and activities. This will help you stay focused and avoid distractions.
  2. Create a conducive work environment. Find a quiet and comfortable place to work, and minimize distractions such as noise and interruptions.
  3. Take regular breaks. Working for long periods of time without a break can lead to burnout and decreased productivity. Take a few minutes to stretch, grab a snack, or take a walk to refresh your mind and body.
  4. Avoid multitasking. Research has shown that multitasking can actually decrease productivity and impair cognitive function. Instead, focus on completing one task at a time.
  5. Stay organized. Use a planner or to-do list to manage your tasks and deadlines. This can help you stay on track and avoid last-minute rushes.
  6. Get enough sleep. Lack of sleep can impair your cognitive function, including your ability to focus and be productive. Make sure to get at least seven to eight hours of sleep every night.
  7. Exercise regularly. Regular exercise can improve your physical and mental health, and can also increase your focus and productivity.
  8. Reduce your caffeine intake. While caffeine can provide a temporary energy boost, it can also lead to anxiety and restlessness, which can impair your focus and productivity. Try to limit your caffeine intake to the morning hours, or switch to decaf in the afternoon.
  9. Try using mindfulness and meditation techniques. These practices can help you improve your focus, reduce stress, and increase your overall well-being.
  10. Consider using productivity tools and apps. There are many tools and apps available that can help you manage your time and tasks, stay organized, and improve your focus and productivity. Some examples include to-do list apps, time-tracking tools, and project management software.

Are you contracted and ready to work with Agility Insurance Services?

Agility Producer Support
(866) 590-9771

Here are a few solutions to some frequently asked questions by healthcare insurance agents like yourself. 

Can I confirm that I’ve completed the training?

Yes, you can confirm your completion of the training by checking to see your NPN (National Producer Number).

What is my FFM ID and what do I do if I’ve forgotten it?

Your FFM ID is your Federally Facillitated Marketplace ID you acquire when you first register an account on the Centers for Medicare and Medicaid Services Enterprise Portal. If you forgot this ID, you can visit the CMS Enterprise Portal, and proceed to enter your information on the Forgot User ID page. Once you’ve received notice that your information has been properly verified, you can proceed forward with recovery of your user ID. 

How do I access the Marketplace Learning Management System?

To access the Marketplace Learning Management System (MLMS), you first need to visit the CMS Visitor Portal, using your FFM ID and password. If you haven’t already, you will need to set up multi-factor authentication and navigate to the “My Portal” page. Select the tile called “Marketplace Training – Agent Broker”. Then select the MLMS training link. Now, the MLMS profile page should appear and you can enter your professional contact information here. Once you’ve saved that info, you will be taken to the MLMS training page. 

With this information, you can now proceed to access the Marketplace Learning Management System or navigate to recover your FFM ID. If you have any further questions, check out Agility’s ACA resources page

Agility Producer Support
(866) 590-9771

Help your clients protect their largest asset. For most families, their home is their largest asset and financial responsibility. What if there was an uncomplicated solution to help your client’s family remain in their home if they were to die unexpectedly? BasicSecure Fixed Universal Life Insurance is a permanent life insurance solution that can help protect your client’s home and family, and replace the lost income from the insured’s death – all in one policy.

3 Reasons to Talk to Your Clients Today About Using BasicSecure as Mortgage Protection:

  1. Their home in many cases is their largest asset.
  2. The death benefit can be used to protect their family’s financial future, should the unthinkable happen.
  3. There is such thing as mortgage life insurance, but the mortgage lender is the beneficiary of the policy rather than beneficiaries your client designates. If they pass away, their mortgage will go away, but their loved ones won’t see any of the proceeds.

Take the time today to educate your clients on BasicSecure. Mortgage protection is just one of the many benefits for which BasicSecure can be used. For more information and marketing resources, visit:

BasicSecure eKit >>

And Don’t Forget to Get Contracted with National Life Group Today:

Get Contracted Now

Life Insurance Awareness Month is fast approaching. And while this September will most likely look much different than any Life Insurance Awareness Month in the past, making sure that your clients are protected is still as important as ever.

One way to connect with your clients is through personalized prospecting materials. These are available to order with your contact information so clients can contact you directly to help them obtain the coverage they need. Just click on the links below to see the prospecting materials that are available for you to order.








To get started, download the order form and make sure you clearly include the items you wish to order with the quantity and your complete contact information. Then, follow the instructions on the form to submit the order. This will get your order processed as quickly as possible.

Please note: The prospecting materials shown here may not be available in all states



Get Contracted with Mutual of Omaha:

Get Contracted Now

The Centers for Medicare & Medicaid Services (CMS) is hosting two webinars on August 11 and August 14.




The August 11 webinar will review the plan year 2021 registration and training process for those who did not complete the Marketplace registration and training requirements for plan year 2020.

Agents and brokers who successfully completed plan year 2020 Marketplace registration and training and are returning for plan year 2021 may complete a shorter training, which will be reviewed in the August 14 webinar.

As a reminder, if you’ve registered for any webinars in the “Health Insurance Marketplace Plan Year 2020 Updates for Agents and Brokers” series, you’re automatically registered for this webinar and no action is required. You’ll receive a reminder the day before the session. If you haven’t attended a webinar before, click here for steps on how to register. Registration closes 24 hours before the event.

Contact the REGTAP Registrar for assistance at or 800-257-9520.

As social media soars… It’s up to you as modern day, professional Life & Health Insurance Agents to stay up-to-date with marketing in a digital world.  Agility Insurance Services’ all-in-one platform; is happy to provide you with some general social media stats, tips, facts and guidelines.

In this downloadable eBook, you will find key guidelines, tips and tricks, best posting times, content strategy and more. Along with Medicare and ACA compliance to make sure you follow when creating ads and posts for all social media platforms.

Whether you’re new to social media marketing or you’re a expert, this eBook has something for you.

Download the Social Media PDF eBook Now >>

Agency Partners Introducing Molina Marketplace’s Logo Request Process: We are pleased to share our new “Molina Logo Request” Process with you! This new process will make it easy for you and your agents to request the use of our Molina Logo.
Submit Your Logo Request:
  • To request the use of Molina’s logo, please follow the instructions included on the Molina Logo Request Form


After submission:
  • Please allow 5-7 business days for our review.
  • If consumer facing, the “use” may need to be filed with CMS.
  • Upon approval, we will distribute the Molina Logo to you.
  • Upon denial, we will provide an explanation of decision.
Please feel free to contact us with any questions. We are here to support you and your agents.
Looking for Molina Healthcare Contracting?
Get Contracted Now

Agility Insurance Services is proud to introduce yet another game changing tool for our agents. When you join the Agility team, you get free access to our all-in-one Digital Medicare App through ConnectureDRX. Making virtual quoting and enrollments easier then ever for your Medicare clients.

Provide them ease of use with quoting, enrollment, shop and compare plans, scope of appointment, Text to Sign features and so much more. Learn more with the eBook guide below.

Download the Medicare Quoting & Enrollment eBook Guide >>

With so many people staying home and staying safe due to the Covid-19 pandemic, there has never been a better time to learn and use Virtual Enrollments.

In this PDF eBook you will learn to:

  • Identify your prospects and how you will reach them.
  • Meet with them virtually. Contact without contact.
  • Follow through the sale to effectuation.