When purchasing an individual health policy, which type of insurance agent (exclusive or independent agents) is the best pick?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: May 10, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Jacksonville, FL

Asked on 05/10/2010

When purchasing an individual health policy, which type of insurance agent (exclusive or independent agents) is the best pick? NULL

Answer given on June 03, 2010

Personally, I would be more concerned with the policy, not what type of agent you decide to go through for your insurance.

Typically, agents for individual policies do little more than marketing.  When you really need assistance, or a claim is questioned, or there is a problem, you’ll end up dealing with the insurance company, not the agent.

That said, an exclusive agent may be a little more helpful, but I honestly doubt it.  I’ve worked with both, and in the end, IF there is ever an issue, you’ll have to end up dealing with the carrier yourself. 

If you need assiatance filling out an application, you can usually get the same answer from the carrier that you would get from the agent. 


Most importantly, if you decide to shop around, keep in mind that any broker that offers you rates for any given plan from any given carrier, the rates will be the same.  If you shop for Anthem’s HSA Plan 1 with 5 difference agents, you’ll get the same price across the board.  Insurance agents have no say in underwriting or rating you.  Now, different carriers may rate you slightly differently, so it’s always good to compare similar plans between different carriers, in terms of their rates.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption