Affordable Care Act
The price of a health plan DOES NOT change if a broker or an agent helps your enroll in a plan.
Brokers and their agents are paid by insurance companies. If your broker/agent works with a lot of insurance companies (like we do here at eHealth) they’re in a better position to help you find a plan that’s right for you.
A health insurance agent’s job is to help an individual or a family select a health insurance policy that fits their very personal health coverage needs.
There are two things a person must do in order to become a health insurance agent or broker:
Agents can work for one insurance company, selling only that company’s plans, or they can work as a broker representing multiple insurance companies.
The term “agent” is sometimes used interchangeably with the term “broker”, but they can have different meanings.
The price of a health plan doesn’t change if a broker or an agent helps someone enroll in a plan. Brokers and agents are paid by insurance companies.
The “navigators” who assist customers at government-run health insurance exchange aren’t necessarily licensed agents. This limits what they can do to help consumers. However, things may change. In 2018 navigators working at Healthcare.gov will be required to provide consumers with:
The graphic below outlines the difference between health insurance brokers and navigators.