The Opportunity
Every year, tens of millions of Americans go through a coverage transition: a layoff, a resignation, a move into retirement, a 65th birthday while still working. It is one of the most consequential financial decisions a person makes, and it usually arrives as a twenty-page packet during the worst week of their professional life. Nobody owns it. COBRA makes the event compliant; it does not make it managed. That gap is expensive for employers and genuinely hard on people.
When is the enterprise platform for guided health insurance decisions at every qualifying life event. Through When Choice, When Medicare, and When ICHRA, we combine an intelligent decision-support experience with licensed, non-commissioned agents so every person understands their real options and lands somewhere good. We have supported more than one million employees and managed over 204,000 qualifying events for Fortune 50 and Fortune 500 employers, reducing COBRA enrollment by up to 80% while improving the experience for the people leaving. Doing right by employees and taking cost out are usually opposing forces. Here they are the same action.
Role Overview
As a Licensed Insurance Agent, you will conduct needs assessments, present plan options, discuss enrollment options across ACA Marketplace and Medicare product lines.
Our call center will be staffed from 9am to 6pm CT, Monday through Friday.
*Candidates must hold an active resident insurance license in Iowa, Minnesota, Washington, Oregon, South Carolina, or Florida.*
Key Responsibilities
Handle inbound phone contacts from individuals navigating a loss-of-coverage Special Enrollment Period (SEP) or annual enrollment window
Conduct thorough needs assessments to determine eligibility for ACA Marketplace plans, Medicare Advantage, Medicare Supplement, or Part D coverage
Present and compare plan options clearly, ensuring the individual understands benefits, premiums, deductibles, and network considerations
Document all interactions and enrollment outcomes in the designated CRM platform
Meet or exceed individual service level, quality, and productivity metrics
Maintain active licensure in all required states throughout the engagement
Stay current on plan offerings, carrier guidelines, CMS regulations, and SEP eligibility rules
Collaborate with non-licensed support staff receiving warm transfers and handing off pre-qualified contacts
Required Qualifications
Active health insurance producer license in good standing (resident license required in one of these states: Iowa, Minnesota, Washington, Oregon, South Carolina or Florida
Not currently captive with another insurance agency or carrier
Minimum 2 years experience selling individual health insurance, ACA Marketplace plans, or Medicare products
Demonstrated experience conducting enrollment conversations via phone
Strong working knowledge of ACA subsidy calculations, SEP qualifying events, and Medicare eligibility rules
Ability to work independently in a remote environment with minimal supervision
Reliable high-speed internet connection and a quiet, dedicated workspace
Proficiency with CRM tools and web-based enrollment platforms
Preferred Qualifications
Active licensure in multiple states
Experience in a high-volume inbound call center environment
AHIP Medicare certification (current year preferred)
Bilingual (English/Spanish) a plus
We are an equal opportunity employer. Licensure verification will be conducted prior to contract execution.
Active health insurance producer license in good standing in Iowa, Minnesota, Washington, Oregon, South Carolina, or Florida; 2+ years selling individual health insurance, ACA Marketplace, or Medicare; strong knowledge of ACA subsidies and SEP rules; reliable internet and quiet workspace.
Key Responsibilities
- conducting needs assessments
- presenting plan options
- documenting interactions
Skills & Tools
CRM
Job Details
- Category: Customer Service
- Seniority: Entry Level
- Commitment: Full Time
- Workplace: Remote — United States
- Languages: English
About When
An enterprise platform for guided health insurance decisions at qualifying life events. — Industry: Information Technology