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Top Health Insurance Agencies
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Los Angeles, CA
Solid Health Insurance Services
11620 Wilshire Boulevard, Los Angeles, CA 90025Health Insurance Brokers LLC
333 West California Boulevard, Pasadena, CA 91105Brystra Insurance Services
1925 Century Park East, Los Angeles, CA 90067
San Antonio, TX
The Harrin Group
906 Lightstone Drive, San Antonio, TX 78258Buchanan Insurance Agency
7970 Fredericksburg Rd #101 #137, San Antonio, TX 78229The Insurance Solutions Experts
16111 San Pedro Avenue #101, San Antonio, TX 78232
Dallas, TX
Kevin Oliver Insurance Agency, LLC
8419 Creekbluff Dr, Dallas, TX 75249Custom Health Plans, Inc.
4601 Old Shepard Place, Plano, TX 75093Hercules Health Solutions LLC
407 High Point Dr., Murphy, TX 75094
San Diego, CA
Bridlewood Medicare Insurance
13520 Evening Creek Drive North, San Diego, CA 92128Bluewave Insurance Services
2221 Camino del Rio South, San Diego, CA 92108JS Downey Insurance Service
2333 Camino del Rio South, San Diego, CA 92108
San Jose, CA
Bay Area Health Solutions
1816 Tully Road Suite 186, San Jose, CA 95122Expertise.com Concierge Service
San Jose, CAKhalsa Insurance Agency
3750 McKee Road, San Jose, CA 95127
Charlotte, NC
The Jordan Insurance Agency
13925 Ballantyne Corporate Place, Charlotte, NC 28277Thrive Benefits
615 South College Street, Charlotte, NC 28202Parks Insurance Group
8316 Medical Plaza Drive, Charlotte, NC 28262
Memphis, TN
Pete Mitchell & Associates, Inc.
4216 Millbranch Road, Memphis, TN 38116Insurance Consulting Group, Inc
4735 Spottswood Avenue, Memphis, TN 38117Lipscomb & Pitts Insurance
2670 Union Avenue, Memphis, TN 38112
Baltimore, MD
MEBA Benefit Plans
1007 Eastern Avenue, Baltimore, MD 21202Upper Chesapeake Insurance Agency
900 South Charles Street, Baltimore, MD 21230Liz Sherstad
1414 Key Highway, Baltimore, MD 21230
El Paso, TX
Mt. Franklin Insurance
1444 Montana Avenue, El Paso, TX 79902Flor Insurance Group, LLC
4420 N. Mesa St., El Paso, TX 79902Enroll El Paso
955 North Resler Drive, El Paso, TX 79912
Boston, MA
Weeks & Devonish Insurance
1766 Dorchester Avenue, Boston, MA 02124Woodward Insurance
30 Federal Street, Salem, MA 01970KD Hicks Insurance Agency, Inc.
4 Copley Place, Boston, MA 02116
Top Health Insurance Agencies in other locations
- Health Insurance Agencies in Milwaukee, WI
- Health Insurance Agencies in Seattle, WA
- Health Insurance Agencies in Denver, CO
- Health Insurance Agencies in Nashville, TN
- Health Insurance Agencies in Staten Island, NY
- Health Insurance Agencies in Sacramento, CA
- Health Insurance Agencies in Mesa, AZ
- Health Insurance Agencies in Long Beach, CA
- Health Insurance Agencies in Kansas City, MO
- Health Insurance Agencies in Omaha, NE
Find a Top-Ranked Health Insurance Agency Near You
Frequently Asked Questions
Introduction
If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
How can you find affordable health insurance?
Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.
What is health insurance?
Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.
How do health insurance companies make money?
Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.
What is subsidized health insurance?
Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.
What is a health insurance deductible?
A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.
Is it illegal to not have health insurance?
No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.