​As I sit down to jot my thoughts on some encouraging news relative to individual and family health insurance plans in Pennsylvania, it is not lost on me that most of us who have worked in this segment thought we were long ago left in the dust, just like the customers we serve. However (and yes, here it is... the paradigm shift), with the 2016 relatively modest release of the Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) and the 2019 Individual Coverage Health Reimbursement Arrangement (ICHRA), along with Pennsylvania's move to a State Based Exchange (SBE) for January 1st 2021 enrollments, I think the individual and family health insurance market is worthy of some renewed serious contemplation.

Very few industries have experienced the changes that the health insurance segment has. In fact, my mantra was previously, "with change comes opportunity" and I still believe this. However, after so many years of change, there is a toll taken on motivation and the belief that improvements are ahead.

​The only constant with health insurance is that it is always changing and evolving. How do you cope with the rapid changes? A lot of agents wonder if health insurance will change so much they won't be able to keep up, or it won't be worth it. That's where we're here to help.

There have been many times in my health insurance career that I had to dig deep to find the positive in the rapid-fire changes that came with the passage of the Affordable Care Act in 2010.

Since then, I'm sure all of us in this market segment have felt frustrated by the many unanswered questions and the inconsistency of the answers that we get from those that are supposed to be "in-the-know."  With the recent passage of the AHCA through the House, I suspect that even as this bill moves through the Legislative branches of our Government, there will be many unanswered questions that none of us can yet answer.