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Many! First and foremost is the fact that health insurance is not a slef service product. Most people do not have the level of understanding to distinguish between all the moving parts of multiple plans. Here in CA I can offer an individual over 100 different plans. For a 50 year old couple they can range from a few hundred dollars a month to a few thousand dollars. Like many other things, the devil is in the details.

Second, in almost all cases you save NOTHING when buying direct! So why give up the professional expertise in exchange for nothing?

Third, you need an advocate to help navigate the system. A good agent should assist you in getting the most from your coverage, explain policy & procedure and help in dispute resolution.

Fourth be the expert in the field to guide you as the marketplace changes. The health insurance market is quite fluid. A good agent should be telling you about changes and how they may impact you.

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