Informed + Choice BlogMedicare compliance, ACA recordkeeping, and agent workflow articles from Informed + Choice.https://informedpluschoice.com/Marketing Call vs. Enrollment Recording: Retention Rules for Medicare Agentshttps://informedpluschoice.com/blog/marketing-call-vs-enrollment-recording-medicare-agents/https://informedpluschoice.com/blog/marketing-call-vs-enrollment-recording-medicare-agents/Learn when Medicare marketing call recordings follow six-year retention, when enrollment records stay on a 10-year track, and how agents can organize both.Fri, 08 May 2026 00:00:00 GMTMedicare Call Recording Requirements for Agents: What Changed for CY2027https://informedpluschoice.com/blog/medicare-call-recording-requirements-agents-cy2027/https://informedpluschoice.com/blog/medicare-call-recording-requirements-agents-cy2027/CMS changed Medicare sales call retention for CY2027. Learn what agents record, how long to keep audio, when transcripts apply, and how Vault helps.Fri, 08 May 2026 00:00:00 GMTDo Medicare Agents Still Need to Keep Call Recordings for 10 Years?https://informedpluschoice.com/blog/medicare-call-recording-retention-10-years/https://informedpluschoice.com/blog/medicare-call-recording-retention-10-years/CMS changed Medicare call recording retention for CY2027. Learn when six years applies, when 10 years still applies, and how Business Line + Vault helps.Fri, 08 May 2026 00:00:00 GMTThe Lead-Gen Trap: Why Health Insurance Agents Should Build a Renewal Machine Firsthttps://informedpluschoice.com/blog/lead-gen-trap-insurance-agent-renewal-strategy/https://informedpluschoice.com/blog/lead-gen-trap-insurance-agent-renewal-strategy/Most insurance agents chase new leads, but ACA data shows renewals may be the bigger opportunity. Build a workflow that protects revenue and trust.Wed, 06 May 2026 00:00:00 GMTStop Selling Dental First: Why Medicare Agents Should Start With Doctorshttps://informedpluschoice.com/blog/medicare-agents-start-with-doctors-not-dental/https://informedpluschoice.com/blog/medicare-agents-start-with-doctors-not-dental/Many Medicare agents lead with dental and OTC benefits. Learn why a doctor-first Medicare Advantage sales process can build trust and reduce surprises.Wed, 06 May 2026 00:00:00 GMTACA Compliance and Marketplace Operations for Agents: What You Need Year-Roundhttps://informedpluschoice.com/blog/aca-compliance-and-marketplace-operations-for-agents/https://informedpluschoice.com/blog/aca-compliance-and-marketplace-operations-for-agents/A practical ACA guide for licensed agents covering consumer consent, application review, SEP documentation, NPN changes, training, and operations.Thu, 16 Apr 2026 00:00:00 GMTACA Consent vs Application Review: Two Records Agents Still Confusehttps://informedpluschoice.com/blog/aca-consent-vs-application-review/https://informedpluschoice.com/blog/aca-consent-vs-application-review/ACA consent and application review are different records. Learn when each is required for HealthCare.gov agents and how to keep the workflow clean.Thu, 16 Apr 2026 00:00:00 GMTCan You Collect an SOA at an Educational Event Again?https://informedpluschoice.com/blog/can-you-collect-an-soa-at-an-educational-event-again/https://informedpluschoice.com/blog/can-you-collect-an-soa-at-an-educational-event-again/CMS reversed the ban on SOAs at Medicare educational events for 2027. Learn what agents can do now, what is still limited, and how to follow up.Thu, 16 Apr 2026 00:00:00 GMTDoes a 2026 SOA Cover a 2027 Plan Discussion?https://informedpluschoice.com/blog/does-a-2026-soa-cover-a-2027-plan-discussion/https://informedpluschoice.com/blog/does-a-2026-soa-cover-a-2027-plan-discussion/CMS says SOAs are valid for 12 months, but a 2026 SOA may not cover 2027 plan discussions. Learn the practical rule Medicare agents should follow.Thu, 16 Apr 2026 00:00:00 GMTWritten SOAs for In-Person Medicare Appointments: What Counts in 2027?https://informedpluschoice.com/blog/written-soa-in-person-medicare-appointments/https://informedpluschoice.com/blog/written-soa-in-person-medicare-appointments/CMS made SOAs easier in 2027, but face-to-face Medicare appointments still require a written SOA. Learn what counts and what changed for agents.Thu, 16 Apr 2026 00:00:00 GMTCMS 2027 TPMO Disclaimer Timing: What You Must Say Before Benefitshttps://informedpluschoice.com/blog/cms-2027-tpmo-disclaimer-timing/https://informedpluschoice.com/blog/cms-2027-tpmo-disclaimer-timing/CMS changed TPMO disclaimer timing for 2027 Medicare sales calls. Learn what changed, what counts as a benefits discussion, and when to say it.Wed, 15 Apr 2026 00:00:00 GMTWhen Does a Medicare Call Become an Enrollment Recording? A Practical Guide for Agentshttps://informedpluschoice.com/blog/when-does-a-medicare-call-become-an-enrollment-recording/https://informedpluschoice.com/blog/when-does-a-medicare-call-become-an-enrollment-recording/A practical guide for Medicare agents on where a sales call ends, where telephonic enrollment begins, and how to handle recording and retention.Wed, 15 Apr 2026 00:00:00 GMT150% FPL SEP Is Gone for 2026: What ACA Agents Need to Know, Do, and Sayhttps://informedpluschoice.com/blog/2026-150-fpl-sep-elimination-impact/https://informedpluschoice.com/blog/2026-150-fpl-sep-elimination-impact/CMS ended the 150% FPL SEP in August 2025. Learn which SEPs still work, what documentation matters, and how ACA agents should triage prospects.Mon, 13 Apr 2026 00:00:00 GMTCMS 2027 Final Rule: 6 Medicare Agent Workflow Changeshttps://informedpluschoice.com/blog/cms-2027-final-rule-6-changes-medicare-agents/https://informedpluschoice.com/blog/cms-2027-final-rule-6-changes-medicare-agents/CMS eliminated the 48-hour SOA wait, changed TPMO disclaimer timing, reduced call retention, and reopened SOAs at educational events. See the checklist.Thu, 09 Apr 2026 00:00:00 GMTCMS Eliminated the 48-Hour SOA Rule: What Medicare Agents Need to Know About Walk-Inshttps://informedpluschoice.com/blog/cms-48-hour-soa-rule-walk-in-exceptions/https://informedpluschoice.com/blog/cms-48-hour-soa-rule-walk-in-exceptions/CMS eliminated the Medicare 48-hour SOA waiting period effective June 1, 2026. Learn what changed for walk-ins, same-day appointments, and calls.Wed, 08 Apr 2026 00:00:00 GMT10 Steps to Break Away: How to Build a Truly Independent Medicare Businesshttps://informedpluschoice.com/blog/10-steps-break-away-independent-medicare-agent/https://informedpluschoice.com/blog/10-steps-break-away-independent-medicare-agent/Learn how to break away and build a truly independent Medicare business. Control your own leads, ditch the confusing jargon, and own your workflow.Fri, 13 Mar 2026 00:00:00 GMTACA Consent Requirements and 10-Year Recordkeeping for Agentshttps://informedpluschoice.com/blog/cms-aca-consent-requirements-10-year-storage/https://informedpluschoice.com/blog/cms-aca-consent-requirements-10-year-storage/Learn how ACA agents can document consumer consent, eligibility application review, Marketplace records, and exportable files without platform lock-in.Mon, 02 Mar 2026 00:00:00 GMTConnecture vs. Sunfire for SOAs and Call Recordings: What Medicare Agents Should Comparehttps://informedpluschoice.com/blog/connecture-vs-sunfire-scope-of-appointment-alternative/https://informedpluschoice.com/blog/connecture-vs-sunfire-scope-of-appointment-alternative/Compare Connecture and Sunfire SOA workflows, voice signatures, call recording, data portability, and when a standalone SOA vault makes sense.Thu, 26 Feb 2026 00:00:00 GMTWhy Medicare Agents Need a Decoupled Compliance Architecturehttps://informedpluschoice.com/blog/decoupled-compliance-architecture-medicare-agents/https://informedpluschoice.com/blog/decoupled-compliance-architecture-medicare-agents/Learn why Medicare agents may want a separate, agent-controlled record layer for SOAs, ACA consent, call records, retrieval, and exportability.Tue, 24 Feb 2026 00:00:00 GMT