Translate plan information
A broker can explain premiums, deductibles, copays, coinsurance, out-of-pocket limits, metal categories, provider networks, and formularies in plain language.
Help organize a comparison
A useful comparison starts with the consumer’s priorities: expected care, important physicians, prescriptions, preferred facilities, budget, and comfort with different cost-sharing structures.
Support the application process
A Marketplace-registered broker may assist with application and enrollment steps within applicable licensing, appointment, consent, and Marketplace requirements. Consumers should review and confirm their application information before submission.
What a broker cannot decide for you
The Marketplace determines eligibility for enrollment and financial assistance. A broker cannot guarantee eligibility, savings, network participation, approval of a claim, or future plan terms. The consumer chooses the plan.
Questions worth asking
- Which carriers and plans do you represent?
- How are you compensated?
- How will consent and application review be documented?
- How should I verify doctors and prescriptions?
- How can I reach you after enrollment?