Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • You will make smarter insurance decisions by fully understanding the medical needs of you, your family, or employees
  • Agents work for specific health insurance companies, but brokers can scan the entire industry for products
  • The ACA marketplace can help you assess your ability to get savings and find a local broker
  • A medical insurance broker with a good reputation will work hard to find the perfect policy to fit your exact needs
  • Utilize all of your local resources to locate a health insurance broker that already offers valuable services to people you know and trust

Medical insurance is no longer a matter of choice but has become mandatory through the new ACA regulations. It is important to find coverage that fits the requirements, but within a budget that your family, or business can afford.

A medical insurance broker is a knowledgeable professional in the health insurance industry that can steer you towards the best policies, within reach of the money limits you have to spend.

Enter your zip code above to compare free health insurance quotes before you talk to a broker.

What are your medical needs?

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The first thing you need to determine before shopping around for medical coverage are the needs of you, your family, or employees if you are seeking insurance for a company. You want to find a good rate, but have to keep in mind that the coverage needs to comply with the new ACA rules and regulations. This means that the cheapest policies may not always be the best.

Small businesses should strive to offer employees as broad a range of services as possible. Utilizing the skills and knowledge of a health insurance broker should give you a better chance of getting a policy going that serves the needs of everyone while being kind to your overall annual budget.

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Should you use an agent or broker?

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Agents and brokers both work hard to bring you quality health insurance services. The basic difference is that agents tend to work for one company, or brand. Health insurance brokers have the ability to scope the best deals throughout the health insurance industry.

An agent might be your best bet if you are brand loyal. The idea of getting quality insurance while saving a lot of money seems to be a more common choice. This is what is fueling the broker health insurance business.

You may not have much opportunity to see how much work goes into the maintenance of a health insurance policy if you are getting coverage from a group policy through an employer.

A broker is someone that is constantly scouring for better and more cost-effective products for clients.

An agent can bring you the most progressive products offered by their representative brand but are unable to steer you towards what may be a more suitable product for you, your family, or business.

Help Locating a Broker for Individual and Family Plans

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The Marketplace is the first stop you should make in getting signed up for an individual, or family health insurance plan. You can find out quickly if you are eligible for subsidies and tax credits, which prove beneficial for getting a more affordable plan. You can then locate a broker that will help you through the whole process

You can  locate a broker that will help you through the whole process here. Make sure they understand that you are eligible for savings through a marketplace plan.

Help Locating a Broker for Small Businesses

There are incentives and tax breaks for almost any small business that opts to offer health insurance to employees. It is mandatory for businesses of over 50 full-time employees, but even companies with as few as 25 workers can enjoy a share in the savings.

A small business health insurance broker will help you determine the best policies for the number of employees and what their family situations are.

A business full of young, vibrantly healthy workers will have different needs from a business that a mix of age ranges and health conditions. You can begin to find the help you need right here.

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Added Benefits of Using an Insurance Broker

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Choosing a broker that has an excellent reputation in the health insurance industry will give you added confidence that you are getting the best fit and price for the services needed. You can count on having any questions you have answered right away.

A good health insurance broker will look at all of the unique facets of your business to design policies that make sense.

A broker has the flexibility to stay on top of market trends and know about any new products emerging that might be a better fit for you or your organization. Brokers will take the time to understand your insurance needs, both now and in the future. This is important for growing families and businesses.

Understanding the World and Language of Health Insurance

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Health insurance policies, requirements and the new laws around mandatory coverage can all seem a little confusing. Using the services of a broker will make it all come together without creating chaos. You can concentrate on your normal everyday activities.

Use all of the available resources to locate a broker you can trust. Ask family, friends, or fellow business owners. You are sure to locate a broker that has a great record for taking care of individuals, families, and businesses with all of their local healthcare coverage needs.

Contact health insurance experts today to begin your search for a broker that will answer all of your questions and seek to provide you with the best plans possible.

Get started on your health insurance search by comparing free online quotes using the tool below!