There's surprisingly little public data on how this actually works.
Independent insurance agents serving Medicare and ACA markets work under a stack of overlapping regulations — HIPAA, CMS marketing rules for Medicare Advantage and Part D, state insurance department requirements, carrier compliance terms. Most public discussion of compliance focuses on the rules themselves, not on what agents actually do in their day-to-day practice.
This study looks at the everyday reality. How do agents handle protected health information when emailing a client about a plan recommendation? Where do scope-of-appointment forms actually live? What tools do solo agents use when their FMO doesn't provide one, and what do they do when the FMO tools don't fit their workflow? What's working, what isn't, and where do agents feel exposed?
Our goal is to publish honest aggregate findings — without naming agents, agencies, or carriers — that help the people doing this work understand how their peers are handling the same problems.
The study runs through summer 2026. Participation is anonymous unless you choose to share contact information at the end. All participants receive the aggregate findings before they're published anywhere else.