Should I Use an Agent to Find Health Insurance?

December 19, 2023

Health insurance is personal, and you deserve the best plan that covers all your needs without blowing your budget. With so many options and policy terms, navigating health insurance on your own can be a challenge. That is why so many people choose to work with a qualified Florida health insurance agent to find the perfect plan for themselves and their families.

Working with an agent to buy health insurance may save you money and help you get better coverage for lower costs. It can also help you explore more options than you realized you even had!

What Is an Agent?

Health insurance agents are professionals who help people buy the right coverage. Typically, agents work exclusively with one company, and a health insurance broker who works with multiple companies to help clients find the best deals.

If you’re looking to have the most options possible, look for a broker. If you have already settled on a provider, look for an agent.

A health insurance agent understands the ins and outs of getting coverage at every stage of life, whether you are a single person buying coverage for the first time or a retiree thinking about supplementing Medicare.

Benefits of Using a Health Insurance Agent

Shopping for health insurance with the help of an agent is a great choice because:

1. The Service Is Free

Agents do not charge clients for their services. They earn money whenever they sell a policy — a payment method called commission. You do not have to buy anything or pay for using an agent if you don’t buy a policy they recommend. They are there to help you explore your options and, hopefully, find the best coverage for your needs.

2. You Can Explore All Your Options

Let’s face it: health insurance is difficult. Even though it plays such an important role in your life, finding the right coverage isn’t easy. An agent or broker helps you by recommending different plans based on your medical needs and budget, so you can get the best coverage without breaking the bank.

3. Agents Help You Save Money on Health Insurance

From your monthly premium to your deductible and coinsurance, health insurance agents aim to help their clients save money on every aspect of coverage. When it comes to the Affordable Care Act Marketplace, an agent can’t cut rates. But they can help you discover private health insurance options that may offer better coverage than plans you’re offered when you shop on your own.

4. You Can Use the Same Agent in the Future

Once an agent helps you buy a policy, they offer continued support. When it’s time to renew coverage, or you go through a Qualifying Life Event, like having a baby or changing jobs, your agent will be there to guide you toward the next best policy for your needs.

Choosing the Right Health Insurance Agent

Finding a health insurance agent isn’t difficult! You can look for licensed health insurance agents online and even reach out to ones at individual insurance companies. Make sure that you take time to explore your options, so you can work with an agent who understands your needs.

Look for Licensed Agents

You should work with a licensed health insurance agent who has trained and completed the necessary requirements to sell people health insurance in your state. Licensed agents have invested hours into learning everything there is to know about health insurance in the United States, as well as their unique state requirements and regulations.

Seek Recommendations and Read Reviews

Ask friends, family members, and trusted colleagues who they work with. You can also research the top health insurance providers in your state or the best health insurance agents in your area to read reviews and connect with a reliable salesperson.

Consider Experience and Expertise

Each agent has their own specialty, and you should learn more about each person’s unique background before deciding on the right agent for you. For example, some agents may specialize in selling health insurance to seniors, while others focus on family plans and coverage for people with chronic health conditions.

You can also find agents who are licensed in life insurance and other types of coverage as well. Working with them can make it easier to bundle your policies and get the most out of your coverage.

Connect With a Florida Health Insurance Agent

Our team has over 100 years of combined experience selling all types of health insurance, life insurance, dental insurance, small business coverage, and more. We know that there’s no such thing as a one-size-fits-all policy, and our personalized approach helps people seeking coverage in Florida get the best coverage for their needs.

Contact us today to discuss your needs with an agent. We can connect by email, text, or phone. If you prefer to reach out directly, you can always reach us at +1 888-990-6699.

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