Working With an Insurance Agent

Health insurance agents are great partners to have when you’re looking for coverage. They know the ins and outs of health insurance, and can help you find a plan that fits your health and budget needs.


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Health insurance is confusing — and sorting out all the options can be overwhelming. That’s where agents can come in. They’ll help you:

  • Compare plans

    Agents understand everyone has different needs. They’ll be the first to tell you there isn’t a one-size-fits-all health plan. That’s why a big part of their job is helping people compare different kinds of plans to find the most compatible coverage.

    They’ll be able to provide options for questions such as: Should I choose an HMO or PPO? Should I choose a high-deductible health plan?
  • Apply for coverage

    Health insurance applications are fairly straightforward — but your agent will help make sure it’s completed correctly.

    If you have a pre-existing health condition, your agent can point you toward the plan most likely to accept you. Many agents work with several insurance companies, and they often have professional relationships with the medical underwriters who decide which applications to accept. In some cases, your agent may able to get an unofficial “pre-approval” for you before you actually go through the application process.

An Insurance Agent’s Qualifications

What makes an agent qualified to help people find coverage? Can anyone do it?

Before an agent can start selling health insurance, they must be licensed in the state where they work. Every agent is required to complete state licensing courses, and pass exams to prove their understanding of insurance laws and regulations.

Most states also require agents to complete a certain number of hours of “Continuing Education” classes. The specific requirements vary from state to state.

How Do Agents Get Paid?

Many independent agents are paid on commission — meaning they get a percentage of the premiums you pay to the insurance company.
Agents employed by an insurance company or agency typically earn an annual salary, and can also be paid a commission.

Your plan’s rates will be the same whether you buy a plan through an agent or not — that includes your monthly premiums, copayments, and coinsurance.

And there are no hidden or extra costs for getting an agent’s expert advice when looking for a plan.

Comparing Your Options

At Go Health Insurance, you can get competitive quotes from multiple agents to help you compare health insurance options — and it’s absolutely free. Use our Click-To-Call service if you’d like to connect directly with the next available agent.

You can also get instant online quotes and compare plans online.

Our insurance tools are safe, secure, and you have no obligation to buy anything.