Does shopping for ObamaCare leave you feeling a bit confused?
Do not be afraid to ask for help from an insurance broker. Brokers, by law, can not tack on a commission to the ACA policy price, so you will pay the same premium whether you buy from a company or through an indepedent broker.
A broker can explain the various plans and assist you in selecting the one that best suits your lifestyle. Be sure to choose a broker who works independently with a variety of companies rather than a broker that is associated with a specific insurer; you will have more ACA Plan choices going through an independent broker.
As long as they are acting within the law and provide clear explanations of a policy’s terms, health insurers, trying to limit their risk, are not acting unethically.
As the enrollee, it’s your responsibility to make sure you fully understand the terms of your ObamaCare health plan.