A common myth is that buying direct is cheaper. In reality, premiums for identical plans are generally the same whether you use a broker or buy direct, as broker commissions are typically built into the filed rates already. 4 Steps to Buying Direct Successfully
If you decide the direct route is for you, follow these steps to ensure you get the right coverage: Buying Insurance Direct vs. Indirect: Which Is Better? buying health insurance directly from insurance company
Working directly with a carrier is often the quickest way to secure coverage because you don't have to wait for a broker to return quotes. A common myth is that buying direct is cheaper
Without a broker, you are responsible for making sense of technical jargon like "coinsurance" and "out-of-pocket maximums". If you have a claim issue later, you’ll have to navigate customer service on your own. Indirect: Which Is Better