Choosing the right health insurance plan isn’t just about picking the lowest premium or the most familiar brand. It’s about making sure your coverage fits your real-life needs—your health, your family, and your finances.
That’s where a good health insurance broker comes in. But not all brokers are created equal. To make sure you’re getting real value (and not just a sales pitch), here are the top 10 questions you should ask your health insurance broker—along with how BBS Insurance approaches each one with honesty and clarity.
1. Are you independent or tied to a specific company?
Some brokers only sell policies from one insurer, while others work independently and can compare plans across multiple providers.
What to listen for: You want someone who can show you options from a variety of companies—not just steer you toward one plan.
At BBS Insurance: We’re fully independent, so we compare plans across the top carriers and always recommend what’s best for you.
2. What plans do you think are best for my situation—and why?
A good broker should ask about your health history, budget, and preferences before making a recommendation.
What to listen for: A thoughtful, personalized answer. Not a generic pitch.
At BBS Insurance: We start with a conversation—not a quote. We want to understand your needs before suggesting a solution.
3. How do premiums, deductibles, and out-of-pocket maxes work together?
If your broker can’t clearly explain the difference between these terms and how they impact your total cost, walk away.
What to listen for: Simple, clear answers that help you understand the full cost of a plan.
At BBS Insurance: We break it down in real numbers so you can compare apples to apples.
4. Will my current doctors and prescriptions be covered?
This is a dealbreaker. A plan that doesn’t include your providers or medications may not be worth it—no matter the premium.
What to listen for: A willingness to check your provider network and formulary list before you enroll.
At BBS Insurance: We verify your doctors and prescriptions are covered before you commit to any plan.
5. What happens if I need care out of state or in an emergency?
Coverage can vary depending on your location and whether you’re in-network or out-of-network.
What to listen for: A clear explanation of emergency care rules and network restrictions.
At BBS Insurance: We help you understand your coverage footprint so there are no surprises when you travel or relocate.
6. Can you help me apply for subsidies or financial assistance?
Many people qualify for lower premiums through the ACA—but not every broker will walk you through the process.
What to listen for: Confidence with the Affordable Care Act, subsidies, and Medicaid eligibility.
At BBS Insurance: We handle it all—enrollment, subsidy applications, and everything in between.
7. How often should I review or update my plan?
Health needs change. Income fluctuates. Plans evolve. Your coverage should, too.
What to listen for: A broker who encourages regular check-ins, not one-and-done transactions.
At BBS Insurance: We recommend reviewing your plan annually—and we’re here year-round to answer questions.
8. What are the hidden costs or limitations I should know about?
Things like copay caps, prescription tiers, referral requirements, or plan exclusions can add up quickly.
What to listen for: Transparency. A broker should help you understand not just what’s covered—but what isn’t.
At BBS Insurance: We point out fine print and potential gaps so you’re never caught off guard.
9. What support do you offer after I enroll?
The best brokers don’t disappear after you sign up. They help you troubleshoot issues, file claims, and navigate changes.
What to listen for: Ongoing service and a real commitment to your long-term satisfaction.
At BBS Insurance: We support our clients before, during, and after enrollment. Need help? Call us anytime.
10. How are you compensated? Do I pay you directly?
You deserve to know how your broker gets paid—and whether there’s any incentive to push one plan over another.
What to listen for: Honest, transparent answers.
At BBS Insurance: Our services are completely free to you. We’re paid by the insurance companies—but we work for you.
Final Thoughts
Your health insurance broker should be your ally, not a salesperson. By asking the right questions, you can make sure you’re working with someone who puts your needs first.
If you’re ready for honest answers, clear advice, and a stress-free experience, contact BBS Insurance today. We’re here to help you make smarter choices and get the coverage you deserve.