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California Health Insurance Agent

Do you think that all California health insurance agents are created equal? Not true. There are 2 different kinds of health insurance agents in CA and you definitely want to be working with only 1 of these types of agents. If you want to make sure that you make the right decision and choose an agent that will help you save money and find a comprehensive and affordable insurance plan then here is what you need to know.

2 Different Kinds Of California Health Insurance Agents

The 2 different kinds of health insurance agents in California are 1) Independent insurance agents or brokers and 2) Captive insurance agents.

Independent California Health Insurance Agents

Independent California health agents can work with many different health insurance companies. You can often expect to see quotes from on average 3 different insurance companies when you request quotes from them. Independent agents are often seen as being more objective than other agents. An independent insurance agent’s interests are naturally more closely aligned with the consumer due to their impartiality and freedom of choice.

The nicest thing about an independent agent is often not even seen immediately. Independent agents are valuable years and years after you buy your CA health policy because then will be able to show you options from other insurance company’s every year when your policy renewal rolls around.

In other words, if you were to call your insurance company directly then they would of course have a vested interest in convincing you to stay with them and not cancel your policy. An independent agent does not necessarily care which company you choose because they independent insurance agent will compensated by way of commissions from the insurance company regardless of which company you choose.

Captive California Health Insurance Agents

A captive California health agent can only work with one insurance company. This eliminates the ability to “shop” your policy around and find you quotes from many different insurers. This is not to say that captive agents are bad agents it is just that captive agents are severely limited in what they can offer consumers.

Typically, almost all insurance agents are commissioned sales people. This means that, of course, an insurance agent’s goal is to sell you a policy. However, problems can arise when speaking to a captive agent because although you need health insurance you do not necessarily need the particular health insurance plan from the one insurance company that the captive agent represents. There very well could be a health insurance plan from a different insurance company that the agent does not represent that could better meet you and your family’s needs. Whatever the case may be; the CA captive health insurance agent is powerless to show you California health insurance quotes from any company other than the one insurance company with which they work for.

Be sure and choose your California health insurance agent wisely. Take a few moments and be sure that you will get insurance quotes from multiple insurance companies. Input your basic info into our free quote finder and view free California health insurance quotes now!

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