The insurance future has changed and the insurance future forecast will keep changing. Policy coverage premium figures already reflect falling sales for agents selling health medical plans. Is your insurance future doomed or does it forecast a new sales opportunity potential? These two avenues of your insurance future forecast are reviewed in this article.This article is written primarily for experienced agents. These agents have already established a sales career, with a good portion being health insurance selling. The sky is already or about to fall on almost every captive insurance agent with below four years of insurance policy coverage selling. Previous statistics unveil that just 5 years back only 7 out of 100 licensed agents reaching their fourth anniversary. The present turmoil in the insurance industry forecast is not going to improve those numbers.For an agent selling individual or group major medical policies, the forthcoming clouds of uncertainty are looming overhead. Trade magazine advertising and insurance marketing recruiting for health and group insurance brokers is taking a nosedive. Consumers and business owners are uncertain about what is yet to come. This is resulting in new sales and policy upgrades to rapidly decline. Along with this comes a plunge in many agent incomes.Is universal health care imminent? The prospective roles of an agent selling individual and group medical health policies is experiencing uncertainty at a high level. It is a terrible time for new agents to enter this selling arena.Universal health has the makings of wiping out many of the capabilities of highly skilled agents to provide customers with the best coverage for their individual needs and wants. Altering Medicare Part D prescription coverage is already occurring. There is a overwhelming prediction of eliminating Medicare Part D as probable for a means of providing some funding of universal health care.Right now experienced health and medical insurance experts may still have a golden lining in their insurance future forecast. For once all the powerful insurance company lobbyists are fighting for you, and of course for themselves. They need the market to survive, and in turn need you to market their products. The insurer lobbyists will be spending massive untold amounts of money and shrewdly calling in campaign favors for past substantial financial contributions.Your individual and group major medical clients are paying more than necessary for the cost of insurance. The direct cause is the way the Government handles Medicare and Medicaid. Doctors and hospitals only receive partial reimbursement for the benefits patients receive. In turn, hospitals and doctors charge privately insured patients more to pick up some of this balance. Medicare and Medicaid are not being managed properly, and future payment reserves are in serious jeopardy. So how can the Federal Government possibly eliminate private insurance and forcibly impose Universal Health Care?You have a hornet’s nest bigger than the UAW or any union on your side. Should the government seriously engage on eliminating Medicare Part D prescription benefits, you are going to have the most explosive and powerful lobbyist group bombarding legislature. This well funded organization has the membership of millions and millions of people over age 50 belonging to it. Get the leadership angry and it will almost have the impact of an atomic bomb hitting Capitol Hill. Protecting the benefits of seniors is their goal, and they will run over anyone trying to stop them.During the last forty years, I have seen many changes in the health insurance industry. Therefore, look at some positive scenarios. Right now, there are 1,500,000 life and health insurance agents in the United States. One-half of them have less than 4.3 years of experience. Eliminating a half million agents attempting a feeble attempt at selling medical insurance coverage would not hurt you. Whenever new governmental coverage is introduced, new loopholes always need to be filled. Will the government be allowed to send well over 1,000,000 additional people into unemployment by devastating the health insurance industry?I honestly do not think so. I say the health insurance future forecast is this. If you are an experienced health insurance agent, you will adapt and maximize the new opportunities that the insurance future will bring. In the meanwhile, supplementing your income with a couple additional insurance products will help. Also look outside insurance, for easy add on products to sell.Now is the time to hit your existing customer base hard. It is five times easier to get an additional sale off a current customer than to obtain a new one. The insurance future may suffer a hailstorm so provide your customers with a larger umbrella now.