A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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ACA deadline extended: Enroll by Dec. 18 for coverage effective Jan. 1.

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What are the deadlines for the ACA’s open enrollment period?
A list of the open enrollment deadlines for enrollment in 2023 ACA-compliant health insurance in every state. Open enrollment ended on January 15, 2023 in most states.
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Applying for ACA Coverage?
Understanding how small differences in projected income can have a large impact on your health plan costs can be key to obtaining affordable coverage.

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What is a health insurance agent?

healthinsurance.org health insurance glossary

An agent is a licensed salesperson who represents one or more health insurance companies and presents their products to consumers. Agents are licensed by each state, and must complete continuing education in order to keep their licenses active. If they work with the health insurance exchange, they must also be certified by the exchange and complete the exchange’s annual training process.

Although many agents represent more than one carrier (and are generally referred to as brokers), some are captive agents, which means that they work exclusively with one carrier.

Some insurance companies only use captive agents to sell their products, although this is fairly uncommon in the individual major medical market now that the Affordable Care Act has been implemented and agents/brokers help people select from among a variety of plans available in each state’s exchange.

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