This is complicated stuff. I would gladly find other work if healthcare was somehow made super simple and easy to understand, but its not. An insurance broker can walk you through the signup process and offer tons of tips and tricks to bring your cost down as much as possible.
For some, all of your options stink. I can help you pick the least stinky option. Even if that option is going without insurance or a riskier short term catastrophic plan. I can walk you through the pros and cons of all your options.
Have you ever called a health insurance company? Was it helpful? If you work with a broker you can call them for any questions or problems that may arise. We have better contacts within the insurance companies that can sometimes solve issues faster than the call center reps.
Out of network out of pocket max. Does that make sense to you? I can explain these silly concepts in a way that makes sense.
The rate you pay for health insurance has commissions built into the price. You are paying that rate whether you use a broker or not. So when you don’t use a broker you are missing out on extra help that you are already paying for. These commissions and my consulting fee allow me to help you all year long should you have any questions or problems big or small. I am happy to help.
If your the independent type an still want to manage it all on your own you should still add my info to your app or use HealthSherpa so that in the event the insurance company screws something up royally I can swoop in an fix it. It doesn’t affect your rates to use a broker. Check out my do it yourself page here.