How do agents get paid?
Insurers pay agents a commission when a person enrolls in a plan and stays enrolled. The premium for that plan is already set and filed with the state, so the commission is built into the price you would pay anyway. Some agencies also charge fees for services that go beyond insurance. Ask before you agree to anything outside plan comparison and enrollment.
What does an independent agent do?
- Learns what you need, including your doctors, your drugs and your budget.
- Compares the plans they offer from several insurers instead of one.
- Checks whether you qualify for savings or other programs.
- Helps you enroll and stays available after you have coverage.
What should you know about the limits?
No agent offers every plan from every insurer. Ask which insurers they work with, and compare with the official marketplace if you want to see everything available in your area. An agent should never ask for payment to enroll you in a marketplace plan, and should explain the limits of any plan that is not comprehensive ACA coverage.
See our Individual & Family plans
Major medical coverage for you and your household, with subsidies applied where you qualify.
Talk to a licensed agent
We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.