When you are choosing health insurance the very first step is finding a good broker. Broker is a salesperson who has a state license to sell and service contracts of multiple health plans or insurers. The majority of group health insurance is sold by agents or brokers who work for agencies. Often, these agencies will handle multiple benefits for your company: health, dental, and vision plans, life insurance, and to a greater extent. They develop relationships with the providers that let them act to a greater extent efficiently on your behalf. They can also facilitate your employees process claims or resolve problems.

Your health care costs will be based on your employee demographics, so the quotes you get from different brokers will be fairly similar. Because of this, you should opt a broker based on the level of service they can provide you. Brokers should be able to help you get the best deal and the better plan for your employees. By managing several benefits and handling employees’ questions, the broker makes themselves more valuable to you. The broker you choose should be very experienced in dealing with firms of similar size and in the same industry as your own.