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You are way off base. Because of health care reform, many insurance agents are now out of the business. A portion of the health care legislation establishes a MLR, Minimum Loss Ratio, demanding that at least 80% of all dollars go directly to claims. In doing so, insurers have drastically cut compensation for those marketing their products. Easiest and fastest place to cut! United Health has cut commission by more than 50% in the past year since the legislation has passed. Our company markets United products through independent health insurance reps. Our agents are earning 50 to 75% less than they did a year ago. That is one of the main reasons for soaring company profits.