Choose an agent or broker based on licensing, relevant experience, the plans they can represent, and how well they understand your actual needs. The best fit is not necessarily the person with the largest sales pitch or the closest office.
A good conversation should include your doctors, prescriptions, budget, preferred hospitals, travel needs, and expected healthcare use. The professional should be able to explain tradeoffs clearly and tell you when a plan or carrier is outside the options they represent.
Verify the license, ask what carriers and products the person works with, and pay attention to whether they ask questions before recommending a plan. You should understand why a recommendation fits your situation before enrolling.
Get additional insights from licensed health insurance agents
You'll want to choose someone that has a proven record of helping clients. So check out client review and the agent's website. Health insurance can be difficult to navigate, so find someone that can explain the process to you in a simple, easy to understand way. Ask about the "gaps" in the coverage the agent is recommending to you. Every plan has gaps, so they should give you an honest answer.
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