Monthly Insights for Agents, Partners and Industry Insiders
As we close out the year, finish Open Enrollment strong with seasonal insights, product updates, and agent resources to help you finish 2025 with momentum.
Welcome to Volume 3 of On The Pulse. As we close out the year, I want to take a moment to acknowledge the tremendous work our agents have done throughout Open Enrollment. This season demands speed, precision, and stamina. You continue to rise to the moment, and all of us at Heathos appreciate the commitment you bring to your clients every single day.
December gives us a chance to finish strong and look ahead with intention. We are expanding our Florida office, strengthening our operations team, and continuing to roll out new features and functionality on our dynamic digital portal for agents, Heathos Pulse. Tools like this are just some of the many ways we continue to support innovation across our organization.
Thank you for the partnership, the communication, and the trust you have shown us this year. Let us close out 2025 with momentum and step into 2026 ready to build on everything we have learned.
Warm regards,
CEO, Heathos
December 2025
Open Enrollment for 2026 plans began on November 1 and runs through January 15. Many states have a December 15 deadline for January 1 coverage. Now is the time to act:
Profiles are structured by Agent ID. For IMOs or agencies with downline access, the visibility scales accordingly:
This ensures the right level of transparency while maintaining appropriate access controls.
Use the Power of Recap
At the end of every client interaction, give a thirty second recap of what was covered and what the next step is. This reinforces trust, reduces confusion, and helps set clear expectations during the busiest weeks of the season.
CMS has issued reminders for agents to verify household data carefully during peak weeks. Inaccurate income or household sizing continues to be one of the top drivers of PTC reconciliation issues for consumers. Now is a good time to review your intake forms and documentation practices.
Industry data suggests that proactive, clear communication during Open Enrollment supports improved member understanding and continuity of coverage. This is a strong reminder to communicate early and keep outreach clear and consistent.
These insights highlight the growing importance of clear communication and education around protection and plan benefits.
This month, we're spotlighting Luis Maldonado, Senior Account Manager at Heathos.
With more than 13 years in the health insurance space, Luis Maldonado brings a rare mix of front line experience, operational leadership, and partner-focused problem solving to Heathos and FirstEnroll. His background spans sales leadership, compliance, call center operations, and product strategy, giving him a deep understanding of what agencies need to grow sustainably and serve members with confidence.
In his role as Senior Account Manager, Luis works closely with our agency partners to expand and optimize their portfolios across ACA, limited medical, Medicare, and ancillary lines. He is known for helping teams implement new offerings thoughtfully and compliantly while keeping retention and long term member relationships at the center of the strategy.
Luis stays active across the U65 and Medicare ecosystem, regularly attending industry events to stay ahead of shifting regulations, subsidy expectations, and evolving consumer preferences. He brings that market intelligence back to our partners, ensuring they can adapt early, stay competitive, and remain operationally prepared for emerging market changes.
Extensive background in sales leadership, compliance, call center operations, and product strategy.
Works closely with agency partners to expand portfolios across ACA, limited medical, Medicare, and ancillary lines.
Stays ahead of shifting regulations, subsidy expectations, and evolving consumer preferences through active industry participation.
Luis Maldonado
Senior Account Manager at Heathos
"At Heathos, going the extra mile isn't optional — it's who we are. Open Enrollment doesn't stop at 5 PM, and neither do we. Whether it's restocking, solving problems after hours, or making sure our agencies have exactly what they need to keep winning — we show up. Every time. This is what true partnership looks like. This is the Heathos standard."
Luis Maldonado
Senior Account Manager at Heathos
"Making moves with the best! If your account manager isn't showing up and making real drops, what are they really doing? It's more than products—business relationships matter."
Based in West Palm Beach, Luis blends structure, accountability, and a genuine care for member outcomes in everything he does. We're proud to have him representing Heathos and FirstEnroll and supporting our agency partners nationwide.
FirstEnroll Blog - Practical insights and resources to help you navigate Open Enrollment and beyond
For more insights and articles, visit Behind the Pulse regularly. We're constantly sharing new content to help agents and agencies stay ahead and thriving.
December 2025 - Important dates and upcoming events
Renewals and new applications continue for ACA Open Enrollment.
Final day for many state enrollments to start January 1 coverage.
Take time to celebrate and recharge with family and friends.
Final day for many end of year Marketplace actions.
Dedicated agent support line with extended hours during open enrollment:
Telephone: 732-440-8600
Email: agents@firstenroll.com
Important links and resources - Quicklinks to bookmark
Access over 30 training modules covering product knowledge, compliance, and sales techniques. Complete certifications at your own pace.
Real-time data & compliance tools. Your centralized command center for performance tracking, training, and compliance management.
National Insurance Producer Registry - Streamlined insurance licensing and compliance monitoring for insurance professionals across all states.
Get personalized assistance from our dedicated agent support team. Whether you need help with enrollment processes, commission questions, or technical support, we're here to help.
📞 Telephone: 732-440-8600
📧 Email: agents@firstenroll.com
Transform your product expertise into rewards. Our gamified learning platform features interactive quizzes, competitive leaderboards, and an exclusive rewards marketplace—making professional development both engaging and rewarding.
✨❄️✨ Happy Holidays! ✨❄️✨
