It’s the personal nature of health insurance that makes the need for human interaction so important. The purpose is to finance care and at times that comes in moments of fear and personal crisis. There isn’t a website or “navigator” that can compensate for that.
Employers are more likely (20%) to offer medical coverage in markets with competing brokers. Broker competition is associated with lower premiums (13% less).
The government is throwing bushels of tax payer dollars at the concept that our service has no real value and unnecessarily adds to the cost of coverage. I beg to differ.