You can buy health insurance directly from a health insurance agent or health insurance broker or indirectly by going online. Sometimes an agent or broker will have a website for you to start the quoting process then it defaults to their office for completion.
You can buy from either health insurance agents or brokers group health insurance and/or individual health insurance. They both have the capability to sell either type of health insurance plan.
Your health insurance policy usually will not come to you in a “user-friendly” format, there will be terms and conditions in the policy that may be confusing. Call your health insurance agent or broker for an easy to understand explanation.
Health insurance premiums are regulated; neither agents nor brokers set the premiums. Other than adjusting the coverages within your policy, they have no control over changing your premium amounts. And both agents and brokers find their new customers through referrals or networking.