The Better Question Might Be: Why Wouldn’t You Use a Broker For Obamacare Plans?
If you can go to a website to select and enroll in health insurance for yourself and your family, it may seem unnecessary to use a broker for Obamacare plans.
One of the defining features of the Affordable Care Act (the ACA, also known as Obamacare) is the online health insurance exchanges – for Arizonans, this is the federal exchange at healthcare.gov – where consumers can shop for and enroll in one of many different individual and family plans.
The design of these sites is aimed at being user-friendly, informative, and helpful, and to a large extent, they are all of these things. But if you are like many of your fellow Arizonans, searching on your own for the right health insurance plan for you and your loved ones may feel like trying to find the proverbial needle in the haystack. Or you may not be comfortable using a computer to select something as crucial as your health insurance. Either way, you can benefit from the expertise, insights, efforts, and service provided by an independent Arizona Obamacare broker.
So, when considering whether you should use a broker for Obamacare this year, ask yourself these three questions:
- Am I interested in saving money and time?
- Do I want to make sure I am getting the most bang for my buck – that is, the best health insurance coverage at the best price?
- Am I confident I will understand and utilize all the benefits available under the ACA plan I select?
These are all benefits you can enjoy when you work with a local Arizona health insurance broker for Obamacare.
Understanding Obamacare Plans Can Be Hard – A Broker Makes The Process Easy
Just because you can go to healthcare.gov and see plenty of Obamacare plan options doesn’t mean you’ll know which plan is best for you and your family. Comparing plans, figuring out what they do and don’t cover, and understanding what you’ll pay in out-of-pocket costs and premiums, among many other issues, can be difficult. Additionally, the health insurance industry also uses its own unique and often confusing language and terms. Even the smartest Arizonans, even those with health insurance through their employer, spouse, or parents, can quickly find themselves overwhelmed when the responsibility for picking a plan falls on their shoulders.
But when you use a broker for Obamacare plans, you get the benefits of a skilled and knowledgeable expert who not only knows all there is to know about Obamacare plans but also knows how to explain things to you in clear, understandable language.
Working With a Broker for Obamacare Plans Will Save You A Lot of Time
You have enough to do in your busy life. Spending hour after hour sifting through all the details of multiple plan options, much less trying to compare those plans so you can make the right choice, is probably not the most effective or enjoyable way to spend your time. When you work with a broker, they will do all the legwork for you, getting you the information you need in a fraction of the time it would take you. Your broker can be your guide in understanding open enrollment and even help you to sign-up for an Obamacare plan – saving you even more time.
You Won’t Pay Anything For an Obamacare Broker’s Services
Arguably, the best part of working with an independent ACA broker for Obamacare insurance needs is that you will receive all the benefits of their experience without paying any fee. The cost of your coverage will stay the same whether you use a health insurance broker instead or purchase coverage on the marketplace on your own. The quotes your broker will provide you already include the commission they will receive from the insurer, so your costs will be the same.
In fact, independent brokers for Obamacare are just that – independent. They are not tied to any insurer, so they can provide unbiased recommendations based on your needs and budget, not on any financial gain for them.
When Questions Come Up, Or Your Needs Change, Your Obamacare Broker Will Be There For You
Enrolling in and utilizing the benefits provided by your Obamacare coverage is not a “set-it-and-forget-it” deal. Your life, family situation, healthcare needs, and budget can change as the years pass. You may need to update your health insurance plan to keep up with these changes. With these changes, new questions may arise, or you may have an issue with a claim.
By working with an Obamacare broker who is only a phone call away, you’ll always be able to get the help you need.
Looking for a Broker For Obamacare Plans? We Know The Best Health Insurance Brokers In Arizona.
With all the benefits of using a broker for Obamacare plans, what are you waiting for?
Arizona Health Insurance Experts’ Arizona-only agent directory is home to the state’s most extensive collection of independent Obamacare agents and brokers, who partner with the best insurance companies to get you the best health insurance.
We have been connecting Arizonans to the best independent health insurance brokers since 1980. Find a broker near you today.