All you need to do is work with a health insurance broker. A health insurance broker is a licensed professional who sells health insurance plans from a variety of companies. What exactly does a health insurance broker do? They do more than just sell health insurance. A broker can function as an important extension of your Human Resources HR department. They wear all the hats from health plan designer to financial advisor to talent expert to help you find the best fit in health coverage.
They are especially valuable to small employers who have equally small HR teams because they create efficiencies when it comes to purchasing, communicating and disseminating your policy. While both are experts in employee benefits, an agent represents just one insurance company and a broker is an independent, neutral, third party. That means they aren't tied to any particular health solution, and their focus is on soliciting quotes, reviewing offers and examining a mix of insurance companies to help you find the best overall product, pricing and value for your organization.
For example,an agent working with Aetna will offer only Aetna plans. Health Insurance Broker: Insurance brokers act independently — separate from insurers, working with several carriers who pay them either a percentage or flat-fee commission on plans they sell to clients. When you purchase health insurance through a licensed broker, you have the peace of mind in knowing that your individual or employer-sponsored plan offers the right coverage at the most affordable price.
Working with a broker to get individual health insurance can be extremely valuable for some people. Here are some of the ways in which their services are helpful:.
When you use HealthCare. All the information is available, but it may not be easily accessible or understandable. A health care insurance broker already knows these things — from how to choose the right physician and how to file claims to how to pick the right plan for your family — he or she will be able to guide you through the entire process.
We do not sell insurance products, but there may be forms that will connect you with partners of healthcare. You may submit your information through this form, or call to speak directly with licensed enrollers who will provide advice specific to your situation. Read about your data and privacy. Our mission is to provide information that will help everyday people make better decisions about buying and keeping their health coverage. Our editorial staff is comprised of industry professionals and experts on the ACA, private health insurance markets, and government policy.
Learn more about our content. Buscar: Search. Skip to content. Advertiser Disclosure. We do not sell insurance products, but this form will connect you with partners of healthinsurance. You may submit your information through this form, or call to speak directly with licensed enrollers who will provide advice specific to your situation.
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