I worked off advantage this year, and yea it is a scam.
While clients are awestruck at the $0 premiums, and no primary care visit costs. No one understands that the big payday for these insurance plans happen when you go to the hospital. As one hospital visit is enough to make all their money back off twenty people.
Sure, you CAN be ethical about how you sell health insurance, but that is not how the insurance agent gets to keep the job. As most are in a competition to keep their job.
Because that person that isn't being ethical is making 10 plans a day, whereas your ethical ass, reviewing contract details, making sure the language of the contract reflects things like dental implants, because ,All the time, companies won't pay for those unless it is in the contract language. is only making 2-5 a day.
Then fired two weeks before Christmas.
There are ways you can help people in the health care industry, but next time, I think I am going to try on my own, because I want to keep my ethics and I see there is a way to do it the right way and make a living. Too bad I couldn't convince my employer.