The benefits of health insurance brokers - Spokane, North Idaho News & Weather KHQ.com

The benefits of health insurance brokers

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With the deadline for the first of the year healthcare coverage fast approaching, many people are trying to find the right plan for them and their families. With the deadline for the first of the year healthcare coverage fast approaching, many people are trying to find the right plan for them and their families.
SPOKANE, Wash. -

With the deadline for the first of the year healthcare coverage fast approaching, many people are trying to find the right plan for them and their families.

Experts say the Affordable Care Act has changed much of the landscape when it comes to choosing a healthcare plan and it can be difficult to navigate through all the different coverage options.

Many recommend using a broker to help choose the healthcare plan that will best suit you and your family.

There are many different ways the consumer can choose a healthcare plan but insurance brokers are the only ones who can recommend a certain plan, according to Kris Lattimore, an Agent Representative Manager with Washington Health Plan Finder.

"When you start asking the questions is this coverage best for my family, not just on price point, but is your doctor in your network? Are your prescription drugs covered? What's a high deductible plan vs. a low deductible plan and how can that benefit you? That's what a broker can really do," says Lattimore.

One of the main misconceptions people have when it comes to whether or not to use a broker is that is will cost them more money. McKinley Romero, a broker with Northwest Insurance Professionals says that it is often the opposite. "Actually, it might cost more with you doing it yourself, because at the end of the year you might wind up paying more money than you needed to for your situation."

Romero also notes that you don't actually pay the broker for their service because brokers are paid by the insurance companies.

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