What likely happens when a prior year consumer does not hear from their agent during OE?

When a prior year consumer does not hear from their agent during Open Enrollment (OE), it is likely that the consumer will opt to create a new application. This scenario often arises because consumers may feel uncertain about their coverage options or may not be aware of their current plan status if they haven't received communication from their agent. Without proactive engagement from the agent, the consumer may believe they need to act independently to ensure they have adequate coverage for the upcoming year.

Creating a new application allows the consumer to review their options, compare plans, and potentially select a new insurance provider based on their current needs and circumstances. This response indicates a proactive approach by the consumer when faced with a lack of information or guidance from their agent, affirming that the agent's role in communication is crucial during the enrollment period.