Angie’s List: Working with insurance brokers when buying health insurance

Angie’s List: Working with insurance brokers when buying health insurance »Play Video
Evaluate the different kinds of insurance you will need in the future.
LEWISTON, ID - It's a season many people dread - it can be confusing, boring and time consuming.

We're not talking about the holiday season, we're talking about open enrollment. In today's Angie's List report, why it pays to be proactive when choosing your health plan.

"The biggest mistake people generally make when they are buying insurance is not knowing what they are looking for," said Insurance Broker, Jacob Gorden. "People know they need it and know they have to get it, per the new laws, but they don't have an idea of exactly what they are looking for and often when they purchase it they don't understand what they have."

"The most important thing you can do for your health this next year is understand what's important to you; what issues you might have and be sure you have the doctors, insurance, and the support you need to take care of the situations," said Angie's List Owner, Angie Hicks. "Now is the time to start evaluating so you ensure you have the right insurance to get you through the next year."

"People don't realize that if you work with a broker it's a free service," said Gorden. "You don't pay a broker. The insurance compensates the brokers and the cost is the same either way."

"I think that a little up front work can save you a lot of concerns later," said patient Charlie Klumpp. "And it's amazing what you can find out. And of course, once you find somebody really good, please go in and let others know."

Angie's List said if you decide to work with an insurance broker who's an independent agent, you'll want to make sure he or she has the necessary credentials and is appropriately licensed.
Requirements vary in each state, but generally insurance agents must pass an exam to become licensed and certified.