Agent and Broker (Health Insurance)

A trained insurance professional who can help you enroll in a health insurance plan. Agents may work for a single health insurance company; brokers may represent several companies. You won’t pay anything additional if you enroll with an agent or broker. Agents and brokers must be licensed in their states and have signed agreements to sell Marketplace health plans. In many states, brokers are required to act in a consumer’s best interest. Agents and brokers often get payments (“commissions”) from insurance companies for selling plans. Some may not sell plans of companies they don’t represent. You can qualify for a premium tax credit and other savings if you enroll with an agent or broker. But to get the savings, the agent or broker must enroll you through the Health Insurance Marketplace.

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