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Top Health Insurance Agencies
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Los Angeles, CA
Brystra Insurance Services
1925 Century Park East, Los Angeles, CA 90067Solid Health Insurance Services
11620 Wilshire Boulevard, Los Angeles, CA 90025Health Insurance Brokers LLC
333 West California Boulevard, Pasadena, CA 91105
San Antonio, TX
The Harrin Group
906 Lightstone Drive, San Antonio, TX 78258The Insurance Solutions Experts
16111 San Pedro Avenue #101, San Antonio, TX 78232Buchanan Insurance Agency
7970 Fredericksburg Rd #101 #137, San Antonio, TX 78229
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
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
Khalsa Insurance Agency
3750 McKee Road, San Jose, CA 95127PHP Insurance Services, Inc.
1816 Tully Road, San Jose, CA 95122Browne Insurance Services
190 West Amado Road, San Jose, CA 92262
Charlotte, NC
Health Plans of NC
4350 Congress Street, Charlotte, NC 28209North Carolina Business Insurance Agency
6401 Carmel Road, Charlotte, NC 28226Main Street Insurance Group
1523 Elizabeth Avenue, Charlotte, NC 28204
Memphis, TN
Pete Mitchell & Associates, Inc.
4216 Millbranch Road, Memphis, TN 38116Lipscomb & Pitts Insurance
2670 Union Avenue, Memphis, TN 38112Heath Johnson
2657 Appling Road Ste 101, Memphis, TN 38133
Baltimore, MD
Ugele Insurance Agency
408 East 25th Street, Baltimore, MD 21218Upper Chesapeake Insurance Agency
900 South Charles Street, Baltimore, MD 21230Liz Sherstad
1414 Key Highway, Baltimore, MD 21230
El Paso, TX
ArmandoW Insurance
5959 Gateway Blvd W Suite 313, El Paso, TX 79925Enroll El Paso
7362 Remcon Cir, El Paso, TX 79912Mt. Franklin Insurance
1444 Montana Avenue, El Paso, TX 79902
Boston, MA
KD Hicks Insurance Agency, Inc.
4 Copley Place, Boston, MA 02116HSA Insurance
135 Wood Road, Braintree, MA 02184Woodward Insurance
30 Federal Street, Salem, MA 01970
Top Health Insurance Agencies in other locations
- Health Insurance Agencies in Milwaukee, WI
- Health Insurance Agencies in Denver, CO
- Health Insurance Agencies in Seattle, WA
- Health Insurance Agencies in Nashville, TN
- Health Insurance Agencies in Staten Island, NY
- Health Insurance Agencies in Long Beach, CA
- Health Insurance Agencies in Sacramento, CA
- Health Insurance Agencies in Mesa, AZ
- 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.