Honest Discussion About Hospital Indemnity Plans?

I’d like to start a candid and professional dialogue about these plans. I’ve heard negative reviews of hospital indemnity plans. In the past, I’ve even shared some of these opinions. But, in this new market climate, I am now revisiting these types of plans as a viable sales options for a certain market segment.
Lately I have been hearing a lot about hospital indemnity plans for a few different scenarios.
1. Let’s assume we have a NSNP (non-subsidized – non-penalized) client who needs something but cannot afford an ACA plan (sure, there are usually short term medical plans, but this would p
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