Should I work with a health insurance agent / broker?
Health insurance agents and brokers are the people you go to for help when buying health insurance. They can help you find and buy health insurance, answer your questions about the different health insurance plans available, help you compare plans, and assist you with enrolling in a plan. Some health insurance agents and brokers are licensed to sell health insurance in more than one state.
What is the difference between a health insurance broker and a health insurance agent?
Both health insurance brokers and health insurance agents are licensed professionals who can help you enroll in a health insurance plan. However, there is a key difference between the two: health insurance agents are employees of an insurance company, while health insurance brokers are independent contractors.
Because health insurance brokers are not employed by any one company, they can shop around on your behalf to find the best health insurance plan for your needs and budget. They can also provide you with unbiased advice and guidance, as they are not beholden to any one insurer.
If you live in Florida, health insurance agents and brokers must be licensed by the state’s Department of Financial Services. You can search for licensed health insurance agents and brokers on the Department’s website.
When you’re considering health insurance plans, be sure to ask whether the person you’re working with is a health insurance agent or broker. Working with a health insurance broker may give you more flexibility and choices when it comes to finding the right health insurance plan for you.
Why Should I Use a Health Insurance Agent or Broker?
Here are four reasons why you should use a health insurance agent or broker when buying health insurance.
- Health insurance agents and brokers are knowledgeable about health insurance plans and can help you compare plans
- They can help you apply for health insurance and guide you through the process
- They can answer your questions about health insurance
- Using a health insurance agent or broker is the best way to ensure that you are getting the health insurance coverage you need. health insurance agents and brokers are familiar with the health insurance market and can help you find the best plan for your needs.
How to Find a Health Insurance Agent or Broker
When you’re looking for a health insurance agent or broker, the best place to start is by asking friends and family for recommendations. You can also search online for health insurance agents or brokers in your area. Once you’ve found a few agents or brokers, be sure to check that they are licensed to sell health insurance in your state.
Does it Cost to Work with an Insurance Broker?
The cost of working with a health insurance agent or broker will vary depending on the services they provide. Some health insurance agents and brokers may charge a fee for their services, while others may receive commissions from health insurance companies. Be sure to ask about the cost of services before you agree to work with an agent or broker.
Is it Worth Getting an Insurance Broker?
It is worth getting an insurance broker to help you find health insurance. Health insurance brokers are independent contractors who can shop around on your behalf to find the best health insurance plan for your needs and budget. They can also provide you with unbiased advice and guidance, as they are not beholden to any one insurer. And if you have questions about health insurance, a broker can be a valuable resource.
In addition, health insurance brokers are typically well-versed in the Affordable Care Act (ACA or Obamacare), and can help you understand how the law impacts your health insurance options.
Conclusion
If you’re one of the millions of Americans who buy health insurance on the federal marketplace or your state’s health insurance exchange, you may be wondering who to go to for help. Qualified health insurance agents and brokers are ready to assist you. Health insurance agents are employees of an insurance company, while health insurance brokers are independent contractors.
Health insurance agents and brokers are knowledgeable about health insurance plans and can help you compare plans, apply for health insurance, and answer your questions about health insurance. Using a health insurance agent or broker is the best way to ensure that you are getting the health insurance coverage you need.
So if you’re looking for health insurance, consider using a health insurance agent or broker to help you find the right plan for you. Torgersen Causey is Florida’s most trusted provider of individual, group, and business insurance benefits. With over 20 years of experience, our team of insurance experts delivers comprehensive insurance plans and services so you, your employees, and your business are always prepared for the future.
