Odds are, if you’re a small business or an insurance newbie, you want to make a beeline to your health insurance broker. Most employers believe that having a health insurance broker by their side makes the process way less intimidating—and way more impacting.
In fact, we found in a 2016 study that 57 percent of small businesses currently use a health insurance broker to help their teams out. And more employers are jumping on the broker bandwagon.
In a 2015 survey conducted by the National Small Business Association, 80 percent of small companies said they would buy health insurance through a broker in the coming year.
Depending on where you are in the buying cycle, these pointers will help you decide if a health insurance broker is in your future:
|It’s my first time setting up health insurance||A broker is designed exactly for the stage you’re in. Not only will they hold your hand through each step, but they’ll also help you implement an entire program that you can use for years to come.|
|I’ve done this before, but I don’t feel like a pro||A broker is your best bet for dealing with all the ever-changing health care laws. Health insurance changes all the time. Therefore, a broker will be your best friend when it comes to following the law.|
|I do this every year.||If you already feel confident about the process, then a broker might not be the best solution for you. However, having a contact you can call if something comes up will help you breathe easier—even if you are an insurance whiz.|
If you don’t want to roll the dice with health insurance, get a broker. An incredible broker will help you crush through all the hard work of selecting a plan, but then they’ll also be your go-to person for anything and everything related to health benefits.
So find where you fit on the chart above, and then chart your course to broker greatness.