Welcome to CAHIP Connection!

October 2025

Click here to access the NABIP Learning Institute for the MORE program.

OUR MISSION

CAHIP will improve its members ability to meet the health, financial and retirement security needs of all Californians through education, advocacy, legislation and professional development.  

OUR VISION

Every Californian has access to solutions for health, financial and retirement needs, through services provided by insurance professionals.

NABIP Healthcare Bill of Rights

Thank you for your service to our communities in a time that we don't have all the answers.

AEP Toolkit

ACA OEP Toolkit

Find CAHIP in-person events on meetup.com in addition to the calendar on cahip.com and on social media with #WeAreCAHIP

CAHIP Innovation Expo 2026

February 11, 2026

Legacy Resort Hotel and Spa

875 Hotel Circle S, San Diego, CA 92108

Featuring guest speakers:

George Balteria, CEO, Collective:Choice

Jessica Woods Brooks, CEO, NABIP

Darrell Moon, CEO, Orriant

Zac Mutrux, Certified Business Performance Advisor, Insperity

Important Compliance Reminder from NABIP: Fees for MA and PDP Enrollment

as of September 9, 2025

Dear NABIP Member,

We have received several questions regarding whether licensed agents may charge beneficiaries a fee when enrolling them in non-commissionable Medicare Advantage (MA) or Prescription Drug Plans (PDP).

We want to make this absolutely clear: federal regulations prohibit agents from directly charging any fee to beneficiaries for marketing, consulting, or enrollment services involving MA or PDP plans, even if the plan does not pay a commission.

Federal Regulation: 42 CFR § 423.2274(c)(8) requires Part D sponsors to “ensure beneficiaries are not charged marketing consulting fees when considering enrollment in Part D Plans.” The same prohibition applies under Medicare Advantage regulations. Federal law preempts state law in this area. Even if a state permits Certified Insurance Consultants or Registered Investment Advisors to charge fees for other products, they may not do so for MA or PDP plans.

All compensation must come directly from plan sponsors and must comply with CMS regulations. Charging beneficiaries directly for these services places the agent at risk of regulatory enforcement and plan contract termination.

Thank you for your continued commitment to compliance and for serving Medicare beneficiaries with integrity.

Sincerely,

Jessica Brooks-Woods

CEO, NABIP

Healthcare costs are up. Employer patience is down. Traditional plans aren’t enough—so what now?

👀 Healthcare costs are skyrocketing—up 9–10% annually—and employers are struggling to keep up. Meanwhile, employee expectations have changed. Traditional fully insured plans just aren’t cutting it anymore.

Smart brokers are stepping up with alternative funding models like:

✅ Level-Funded Plans

✅ ICHRA

✅ MERPs (Medical Expense Reimbursement Plans)

These plans offer more control, flexibility, and value—without compromising care. But it’s not just about the models—it’s about strategy.

🔍 That’s why Nonstop Administration & Insurance Services, Inc. and NABIP created this brief for brokers who want to lead the transformation:

“Winning in a Changing Benefits Landscape: Why Alternative Funding Models Matter for Brokers”

 📚Learn:

• Why traditional funding is falling short
• Why MERPs are gaining ground
• What today’s HR leaders actually expect from brokers
• How you can stand out, win more business & deliver real results

🎯 Now is the time to differentiate yourself. Download the brief, level up, and lead the change.

Thank you to our CAHIP PAC donors for your generosity and support. Your contributions allow us to advocate for a better healthcare system for all Californians.

CAHIP welcomes our new members!

Thank you for choosing our community!

Do you know someone interested in joining CAHIP? Invite them to join now. You can find the membership application here.

Great producers don’t just sell insurance—they elevate the industry!  

🌟 If you’re a top producer, passionate about excellence, and dedicated to serving your clients at the highest level, then the Leading Producers Round Table (LPRT) is for YOU!

🏆 Why Join LPRT?

Being an LPRT qualifier isn’t just about recognition (though there’s plenty of that! 🏅). It’s about belonging to an elite group of insurance professionals who set the bar for success. Here’s what you get:

✅ Exclusive Discounts on NABIP National events 🎟️

✅ Recognition on NABIP’s website, magazine, and more 📣

✅ Quarterly Masterclasses with top industry leaders 🎓

✅ Networking & Social Events to connect with fellow trailblazers 🤝

🎧 Want to hear why LPRT is a game-changer?

🎙️ Listen to this short audio message from former LPRT Chair Sam Nigro sharing his compelling reasons for joining! 

📋 Ready to apply?

📝 Application: Click here

🎯 More Info: LPRT Benefits

You’ve worked hard to be at the top—now it’s time to be recognized for it! 

Join the best. Become an LPRT member today! 🚀

Pat Stiffler/Membership Recognition Chair, Orange County, CAHIP

NABIP LPRT Committee

Earning the Registered Employee Benefits Consultant® (REBC®) designation elevates your credibility as a professional. The field of employee benefits continues to evolve rapidly. A year does not go by without new government regulations, new or modified coverages, and new techniques for controlling benefit costs. To best serve their clients, professionals need to have a current understanding of the provisions, advantages, and limitations associated with each type of benefit or program as a method for meeting economic security.

NABIP's Leadership Academy assists chapter leaders and members to become better leaders in life and NABIP. This 12-module program provides a wide variety of topics touching on many areas to provide students with a well-rounded experience. Programming can be done through attending pre-recorded programming, by attending monthly webinars or as a mix of the two formats. The live programming schedule will be published in September. 

The Leadership Academy is open to all active NABIP members. There is no fee for participation. Academy graduates will receive an electronic button to identify and promote their accomplishment. Graduates, who complete the program by May 15, will be eligible for a discounted Annual Convention registration and will be recognized during NABIP's Annual Convention.



The Leadership Academy curriculum is comprised of 12 modules. The student gets to determine between live or pre-recorded modules .

The Academy year is July 1 through June 30. To ensure relevant content, modules may change from year to year. For this reason, students are highly encouraged to complete their studies in the 12-month cycle.

THANK YOU TO OUR ANNUAL SPONSORS

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FRIENDS OF CAHIP