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Agent/Broker

An insurance agent or broker is a licensed professional who helps individuals and families find, compare, and enroll in health insurance plans. Both work with clients to evaluate coverage needs — but they differ in how they’re structured:

  • Agent: Typically represents one or more specific insurance companies. A captive agent works for a single insurer; an independent agent works with multiple carriers.
  • Broker: Works independently and can offer plans from multiple insurers. On the ACA Marketplace, brokers are federally licensed to assist with Marketplace enrollment and must complete annual certification to maintain that access.

Working with a licensed agent or broker costs you nothing. Their compensation comes from the insurer as a commission built into the premium rate — using a broker does not increase your premium.

What a broker can do for you:

  • Compare plans across all carriers in your area
  • Estimate your subsidy eligibility and net premium
  • Verify that your doctors are in-network before you enroll
  • Help you complete your Marketplace application
  • Serve as your advocate if issues arise during the plan year

Frequently Asked Questions

Does using a broker cost me more?

No. Broker compensation is built into the premium rates all insurers charge — whether you enroll through a broker, directly with the insurer, or through HealthCare.gov on your own. The rate is the same either way. Using a broker gives you expert guidance at no additional cost.

How do I verify a broker is licensed?

Ask for their National Producer Number (NPN) and verify it at NIPR.com. In Florida, you can also verify at the Florida Department of Financial Services license lookup. Confirm they are certified to work with the ACA Marketplace (this certification is renewed annually). A legitimate broker will never ask you to pay for their services directly.

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