Talking to an agent
Is it free to talk to an insurance agent, and how do agents get paid?
Yes, talking to an agent is free. When you enroll in a plan, the insurance company pays the agent a commission, and that is built into how plans are priced. The plan costs the same whether you enroll through an agent or on your own.
What that means for you
You are not billed by the agent. Any premium you pay goes to the insurer. For Medicare and ACA plans, commissions are set by the insurer and the rules around them, and they do not change what you pay.
It does mean an agent is paid when you enroll. A good agent will still tell you when the better answer is to keep what you have, and you are always free to hang up and compare.
Questions worth asking any agent
- Which companies do you represent in my area?
- Is there anything you cannot show me?
- Can I take time to decide?
Have this ready when you call
- Your questions
- Your current coverage details, if any
Common questions
Does using an agent cost more than enrolling myself?
No. The plan's premium is the same.
Will you pressure me?
No. You can decide on the call, later, or not at all.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.