MedCity News January 26, 2026
Daniel Gootner

As individual enrollment grows, agents must evolve to meet a more complex, consumer-driven market.

If you’ve spent any time in the health insurance world over the last few years, you’ve probably noticed a shift, not just in how people buy coverage, but in how they think about it. For decades, health insurance was largely an employer-driven experience. You got a job, you got your benefits, and the decision-making stopped there.

But that world is changing fast. A record 21.4 million Americans chose Affordable Care Act (ACA) Marketplace coverage for 2024, the highest number since the ACA’s inception. When you add in Medicaid expansion, that’s more than 44 million people who now have coverage through ACA-related programs. That’s not a statistical...

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