For brokers
Represent the carriers that will still be there.
A book of business is a bet on which carriers stay committed to which counties, placed months before the landscape files make any of it public. MTR simulates where every carrier in your territory is heading, so appointments, capacity, and the pitch are built around the counties carriers are moving toward rather than away from.
How the study works from your seat
Model every carrier competing in the counties you write, test how each one holds under pressure, then separate the carriers building position from the ones about to defend less of it.
Model
See the whole carrier field, not your appointments.
Every Medicare Advantage carrier competing in your counties, with its modeled posture and the market's own evolution, rather than only the carriers you already contract with.
War-game
Find where the book is standing on soft ground.
Test how each carrier's position in your counties holds under the moves the field is likely to make. A carrier that is not defending a county is the same carrier that stops paying to grow there.
Stress-test
Separate a carrier building from one trimming.
Carrier positions are scored across thousands of worlds, each one a complete version of your market with every carrier's move in it, for durability, how much of a position survives when the field responds. That distinguishes a carrier genuinely building in your territory from one holding ground it is unlikely to hold for long.
4 releases, timed to your selling year
A broker's year is decided long before AEP opens. Appointments, agent capacity, and territory bets are placed months ahead of the first public signal, then live or die on what publishes in October.
October
The field reveals itself
Landscape, crosswalk, and Star Ratings publish together. Every carrier's footprint, plan set, and benefit posture for the coming year arrives at once, days before the selling season opens.
January – February
The book settles, the next one starts
The selling season is measurable: what moved, what churned, and which carriers gained in which counties. The Advance Notice runs through the same field, showing who is about to feel margin pressure.
April
Carriers decide what they can afford
Between the Rate Announcement and the June bid lock, carriers set benefits and county economics. Whether a plan in your territory stays rich, thins out, or goes away is decided in these weeks.
July
Footprint decisions
Bids are locked and attention turns to next year's map: which counties each carrier files for, and which it leaves. This is the window to move appointments and capacity while the field is still private.
Where it lands inside the agency
One study, read for the decision each part of the business owns. The board is the same; what you take from it is not.
- Carrier contracting
- Which carriers are building position in your counties, and which are holding ground they may not defend.
- Territory and agent capacity
- Where to place headcount, based on where the field is opening rather than where it paid last year.
- Book risk
- Which parts of your book sit in counties where a carrier's position carries the least durability.
- Recruiting and retention
- Which territories are worth selling in next year, which is the question an agent is answering when they choose an agency.
- Lead and marketing spend
- Where Medicare Advantage growth is heading across your footprint, county by county.
- Carrier relationships
- Which counties a carrier actually needs, so the conversation about support happens where you have something to trade.
What you are buying
A standing view of the carriers whose county decisions set your book, your territory, and what is worth selling, refreshed on the calendar those decisions run on.
Every carrier in your territory, not only your appointments
Coverage runs to every carrier competing in your counties, so a carrier positioned to enter is visible before it arrives and before the rest of the channel contracts with it.
Early warning, stated as a watchlist
Where a carrier's position carries the least durability, the study names the counties and states the limitation alongside them. Withdrawal signals travel as an early-warning watchlist, never as a probability.
No PHI, nothing to integrate
Built entirely from public data. Nothing connects to your systems and no member information changes hands.
A standing view, not a one-time study
4 releases a year against the CMS calendar carriers run on, so an appointment decision made in July is informed by a release that landed the same month.
See it run on your market.
A live walkthrough of the Latitude Study on the counties that matter to you.