Buying health insurance for you and your family on your own - and understanding if you qualify for a Special Enrollment outside of Open Enrollment - can be unnecessarily time-consuming and complicated. And after all that, you can end up with the wrong medical coverage and miss out on hundreds in government subsidies.
A broker talks to you about your coverage needs, weighs your choices, and sees if you qualify for premium tax credits that can significantly lower your monthly premiums through the Affordable Care Act (ACA), known as Obamacare. And they will walk you through your state or federal exchange or Marketplace.
Health insurance doesn’t cost you any more money if you buy it through a broker. When you understand the benefits of shopping through a broker – it’s easy to see why they are a great way to simplify the process.
Health insurance brokers know the industry as well as the federal and state marketplaces inside and out.
Your broker is there for you even after you enroll in Bright Health. They can serve as your advocate with the insurance company when you have questions about benefits or about how a medical claim was processed.
Health insurance brokers and agents who sell Bright Health must be licensed by their state, pass a criminal background check and strict licensure exams to demonstrate their expertise. They also are trained to maneuver through the state and federal exchanges.
If you are between jobs, self-employed or otherwise don’t receive healthcare through an employer, the marketplaces were set up for you. But it’s not always easy to navigate them. Both brokers and Bright Health believe there’s no reason to be on your own for healthcare - and getting you help to find the best plan for the best price is part of the equation.
Call one of our licensed agents at 833-356-1182.
And if you want to meet with brokers in person, they often hold education and enrollment events.
The Marketplaces also have navigators and certified assisters ready to help.
Bright Health's broker, agency and Enrollment Center lists are subject to change and addition. If you are a broker or agency and want to be added to this list, contact your Bright Health broker manager.