In a powerful display of grassroots advocacy, hundreds of NAIFA members representing all 50 states have written to their state insurance commissioners urging immediate action against unfair trade practices harming Medicare beneficiaries and the licensed professionals who serve them. These letters, sent following NAIFA’s nationwide regulatory alert, underscore the profession’s determination to protect seniors during a particularly challenging enrollment period.

The coordinated effort follows the Idaho Department of Insurance’s Bulletin No. 25-06, which called out deceptive and restrictive practices by certain carriers in the Medicare marketplace that undermine market integrity, limit consumer choice, and threaten the ability of seniors to receive trusted, professional guidance.

NAIFA’s leadership, supported by President Doug Massey’s letter to the NAIC, urged all states to review their unfair trade practice statutes and enforcement procedures in light of Idaho’s decisive stance. Thanks to the collective engagement of NAIFA members, the Delaware Department of Insurance is now the second state to act, issuing DE DF No. 162 and Producer & Adjuster Bulletin No. 39 which, among other things, prohibits carriers from restricting access to Medicare products, manipulating producer compensation, or using internal incentives to steer consumers, noting that such actions may constitute unfair trade practices under Delaware law and violate federal guaranteed availability protections.

“NAIFA members understand what’s at stake for America’s seniors,” said Massey. “Their voices, raised in unison across all 50 states, are making a difference. Regulators are listening, and together we’re ensuring that consumers continue to have access to ethical, professional guidance when choosing the coverage that best meets their needs.”