You’re interested in health insurance - or at least exploring the options available to you. Now that the Affordable Care Act (ACA) law is enforced, the world of healthcare has changed considerably.
Healthcare is very personal and you may encounter many questions deciding which plan is best for you. The world of healthcare will continue to change and so will your needs and circumstances. You are not alone - there are many qualified individuals that can help you to define what coverage is best for you!
Currently, you can enroll in healthcare plans a few different ways:
Some individuals feel confident in navigating this process on thier own, and will opt to enroll directly through the marketplace. Others will find it much more valuable to have someone guide them through the process and navigate healthcare.gov on their behalf.
Licensed insurance agents as well as insurance brokers can help you navigate the healthcare system. So, what works best for you?
1. The insurance agent can recommend a healthcare plan based upon specific needs.
2. A health insurance agent will stay with you after enrollment, and will be an adovate for you as a customer with the insurance company.
3. Agents can help customers understand the benefits of plans but on and off the government exchange.
4. Agents are required to be licensed by the state in which they do business.
5. Agents must pass strict licensure exams as well as receive criminal background check before working with consumers.
Check out the Insurance Agent vs. Broker checklist on eHealth.