Justin Brock is the president of Bobby Brock Insurance and has developed a Medicare and marketing empire.
Medicare is always a hot topic, and every time there’s a shift in the White House, people start speculating about how it will impact the healthcare landscape. When you bring up “Trump” and “Medicare” in the same sentence, you’ll hear a lot of strong opinions. But let’s cut through the noise and talk about what changes could happen and how you, as an agent or business owner, should prepare for them.
Why Does Medicare Advantage Even Exist?
Before we jump into politics, let’s take a step back. Medicare Advantage was created with a specific goal: to improve health outcomes and control costs. The idea is that if a Medicare beneficiary is in a structured, private plan—one that communicates directly with doctors, hospitals and pharmacies—there’s more coordination in their care. In theory, that leads to better health, fewer hospitalizations and, ultimately, lower costs for the government.
But here’s where the debate comes in. Some people argue that Medicare Advantage actually costs more than traditional Medicare. The problem? That’s fuzzy math.
A lot of these reports compare apples to oranges. They’ll say, “Medicare Advantage costs X billions more,” but they’re not factoring in the administrative burden of traditional Medicare—the bureaucracy, the inefficiencies and the costs of running the entire government program. When you stack everything up, the numbers get complicated fast.
What The Trump Administration Could Mean For Medicare
Now that Trump is back in office, expect major changes in the Medicare landscape—especially when it comes to regulations.
Over the past few years, one of the biggest challenges in the insurance space has been over-regulation. We’ve seen more and more compliance rules pile on, often with little thought about how they impact businesses, agents or even the consumers they’re supposed to protect. The Trump administration is expected roll back some of these restrictions, which could be a huge boost for the Medicare brokerage community.
Don’t get me wrong—I’m not advocating for zero regulation. But smart regulation? Regulation that makes sense instead of blanketed, knee-jerk policies? That’s what we need. And based on past trends, a Trump-led CMS (Centers for Medicare & Medicaid Services) would likely favor a more pro-business, pro-competition approach.
Why This Matters For Agents And Agencies
So, what does this mean for you if you’re an agent, an agency owner or someone trying to grow in the Medicare space?
First, it’s a huge opportunity. If Trump follows through on rolling back restrictive regulations, the Medicare Advantage market will become even more competitive. That means better plan designs, stronger benefits and more chances to help clients find great coverage. If you’re already in this business, this is your time to grow.
Second, infrastructure is key. If you’re not actively expanding your business, hiring more agents and scaling your marketing, you’re going to get left behind. Why? As plan designs improve, customers will move around more. If all you’re doing is maintaining your book, you’ll be stuck in service mode, shifting existing clients instead of adding new ones. Growth comes from expansion, not just retention.
Third, smart money moves now. If I were betting on this market (which I am), I’d be hiring, investing in marketing and doubling down on infrastructure—because the next few years could be a golden age for agents who are prepared.
The Bottom Line
Regardless of who’s in office, there’s always an opportunity for those willing to adapt. But if you’re looking at the direction of the market, the Trump administration will likely be pro-business, pro-agent and pro-Medicare Advantage growth. That’s good news for anyone serious about building a real business in this space.
So, the question isn’t, “What will happen?” it’s “What are you going to do about it?”
Now is the time to step up, take action and position yourself for massive success. The industry is shifting and those who move now will likely win big in the next two to four years. Are you ready?
The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.
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