9 most frequently asked questions are the 9 most important questions when buying health insurance

The next 9 posts will be a list of the 9 most frequently asked questions by clients when they are buying their health insurance. These same questions are the questions you want to be sure to ask your agent or broker when you are looking to purchase health insurance.

Question number #1: Do I pay any extra to use an agent or broker

The answer had better be NO. Insurance premiums are regulated by the Department of Insurance, which means you pay the same amount for your insurance weather you go through an agent or go direct through the carrier.

The thing to keep in mind is, if you are using a broker which is what I would suggest you do since they carry numerous plans. The broker's job is to find you the best plan for your particular needs they have no vested interest in selling one plan over another unless it is the best for you.

You should also never pay a fee to an agent or broker to go over options, they are paid by the insurance company.