How to Find Health Insurance Agents Near You

Cathy Jakicic
September 17th, 2019 September 17th, 2019 |
Read time: 7 minutes

Products mentioned in this blog post:

Find out if you qualify for temporary coverage for emergencies and hospitalization – Don’t go uninsured between major medical plans.

Because health insurance can be confusing, getting help from a professional insurance agent may help you find a plan that fits your needs and budget. So what are your options for professional help and how do you find a health insurance agent near you?

In this blog post, we’ll discuss:

  • The different types of professional help available: agents, brokers and online marketplaces and sellers
  • What you can expect when you work with an insurance agent
  • How much it costs to work with an agent
  • How to find an insurance agent near you

It’s smart to thoroughly research your insurance options to find the best fit for the next year or more, and that can include working with a professional insurance agent. But what if you just need temporary coverage or want basic coverage quickly?

You may be able to qualify for a short term health insurance policy and obtain coverage as quickly as the day after you apply if you’re approved. These policies are available year-round, but it’s important to note that they are not ACA-qualifying plans, are not required to include coverage for essential health benefits, and are not guaranteed issue so you must qualify to enroll.

Find out how much a short term policy could cost you and compare plan options.

Get a Short Term Health Insurance Quote

What to do Before You Contact an Agent

Conversations with your insurance agent will be more productive – and you’re more likely to get the coverage you need – if you’re both speaking the same language. So while not required, it will be helpful to understand some of the basics of health insurance before you start speaking with professionals.

Here are some resources for learning the health insurance basics:

No matter how much research you’ve done, it doesn’t hurt to get an expert’s perspective. A licensed health insurance agent can guide you through the health insurance plan selection process, show you a variety of options and help you choose coverage that fits your healthcare needs and budget.

Find a Local Health Insurance Agent

OR

Call to speak with a licensed Health eDeals agent

888-855-6837

What a Health Insurance Agent Does

Health insurance agents (and brokers) may perform a number of services, including:

  • Helping you identify the health coverage you need and obtain the policy.
  • Assisting you with claims and acting as an intermediary on your behalf with the insurance company in some instances.
  • Operating in your best interest (required by law in many states).1

Health insurance agents must meet a number of qualifications to be able to sell insurance products, including:

  • Being licensed in their state to distribute the type of insurance they’re selling.
  • Adhering to regulations set forth by their state’s insurance department.2
  • If selling ACA-qualifying plans on the public Exchange, they must have had training and signed an agreement with the Centers for Medicare and Medicaid Services (CMS)3

How Much Does it Cost to Work with an Agent?

You likely won’t pay your health insurance agent or broker anything, at least not directly. Most agents are paid when they collect a commission on the products they sold, usually from the premiums you pay.4

Licensed Agent or Broker – What’s the Difference?

A licensed health insurance agent represents one or several insurance companies.5 An agent who represents one company is considered “captive,“ while those who represent multiple companies are known as “independent.”6

A health insurance broker works like an independent agent and sells more than one health insurance company’s products. Agents may work for brokers.7

The key difference that may be important to you is that a health insurance agent represents the insurance company while a broker represents you.8

Which one is right for you?

If you’re primarily concerned about cost

You may want to start with a broker. Because a broker represents you, he or she can help find the best prices for the coverage you need and help customize or bundle policies. Because they work for a range of insurers, they may have a broader knowledge base.9

If you want more options

A broker or independent insurance agent may be the way to go. Independent health insurance agencies work like insurance brokers in that they represent multiple insurance carriers, but they generally are not as large as brokers.10

If you need a little more expertise

Because captive health insurance agents represent just one carrier, they may have a more thorough knowledge of the products they represent, but may not be able to offer comparisons to other insurance providers’ products.11

If you’re just gathering information

Online insurance websites are a good first step. They offer easy access to an insurance agent and 24-7 online access to policy information.12 Get tips on how to buy health insurance online.

During your research, you’ll likely find that ACA-qualifying major medical coverage is the most comprehensive since it includes the essential health benefits and is guaranteed-issue. However, it also comes with higher premiums if you don’t qualify for a subsidy.

And depending on the time of year, you may not be able to enroll until the next open enrollment period.

Do You Need Temporary Insurance or Coverage Outside of Open Enrollment?

If a major medical policy isn’t available to you right now or it doesn’t fit your needs or budget, it’s still a good idea to consider some level of coverage for unplanned illnesses or accidents, especially to help in situations that land you in the hospital or ER. Short term health insurance is one such non-ACA health insurance option.

Short term policies:

  • Generally have lower premiums than major medical because plans include less coverage. Your costs will be based on the benefits level you select.
  • Are not guaranteed issue (meaning they do not cover pre-existing conditions and you have to be approved by the carrier to enroll
  • Are effective for a limited period of time, typically from 30 to 364 days depending on your state.
  • Are available year-round in most states and are not subject to the annual open enrollment period.

Find short term health insurance plan options and costs available to you by getting a quote.

Get a Short Term Health Insurance Quote

Questions to Ask Your Insurance Agent

A good agent or broker will probably have a range of questions for you – about yourself, your family, your coverage needs and budget. But you should be prepared with questions, as well.13

  1. What can they tell you about the company(ies) they represent?
  2. How long have they been in business? Can they give you references?
  3. What types of plans do they offer?
  4. What fees do they charge (if they’re a broker)?
  5. Is your current healthcare provider included in the plan(s) offered?
  6. What will the monthly premiums be?
  7. What’s the deductible?
  8. What are the copayments?
  9. Can they help you with claims?

Where to Find a Local Agent or Broker

Get Referrals

When looking for a health insurance agent near you, you might start by asking friends and colleagues for referrals. You may also perform your own search using online tools.

Use Online Search Tools

Inputting the phrase “health insurance agents near me” into your preferred search engine will typically bring up results for agents and brokers in your area.

Search engines like Google use your computer or phone’s geographic coordinates to identify where you are (city, state, ZIP code) in order to return relevant results. You can then compare by star rating and read reviews.

Review sites like Yelp perform a similar function and may also be helpful in sourcing a professional agent in your area as you can filter by geographic location, rating and read reviews.

The Angie’s List website also has a section for health insurance agents.

Or, locate an agent near you by using our online Find a Local Agent tool.

Use Insurance Industry Tools

The National Association of Health Underwriters has a “Find an Agent” tool.14

Once you find a potential agent, you can contact the Insurance Bureau or the Insurance Board in your state to confirm they are licensed and have no complaints pending. You can also check the National Association of Insurance Commissioners website.

Look up insurance agents you’re planning to work with on the Better Business Bureau to see if there are any complaints filed against them.

Summary + Next Steps

Health insurance can be an important tool in your financial planning toolkit. The more you understand about the details, the better chance you have to make the right decision for you and your family. And a health insurance agent or broker can help.

When looking for a health insurance agent near you:

  • Get referrals from colleagues and friends.
  • Use online search and agent locator tools
  • Use our online tool to find a local agent.

Or call 888-855-6837 to speak to a licensed agent now to learn more about costs, eligibility and coverage options.

Need Supplemental or Short Term Insurance?

Apply in 3 Easy Steps

  • Get a quote within seconds
  • Compare multiple plans
  • Finish application online
Originally Published On November 14th, 2016
Independence American Insurance Company and/or Madison National Life Insurance Company, Inc. may underwrite the products referenced on this website. Legal Disclaimers.

Footnotes

Get Health Insurance for 2020

Open enrollment is Nov. 1 to Dec. 15, 2019 in most states. Find out if you could qualify for an ACA subsidy.

 

ACA Subsidy Calculator

img