So this is what I was thinking. Ultimately like I was thinking you will have to go through the healthcare website to get the subsidy...the broker can help sign you up, but he will put his code in to get his commission... Below is a reason to use a broker.
2. Consider working with a health insurance broker. Such a pro might be able to help you find more appropriate, and perhaps less expensive, coverage than you’d find shopping the federal or state health exchanges.
“The only compelling reason for an individual to go to the dysfunctional ecommerce experiment [what you and I call the exchanges] is if you’ll be below 400 percent of the poverty level and will qualify for a subsidy,” says Will Donahoe, President of CBIZ-M.T. Donahoe and Associates, an employee benefits General Agent in Columbia, Md. “A broker is well-equipped to discern what your needs are.”
A broker might give you access to many more plans than what you’d see on the exchanges. In Maryland, for instance, The CareFirst BlueCross BlueShield health insurer offers 12 plans on the state exchange and another 25 to 30 more off-exchange, says Donahoe. “You get a lot more choice with a broker,” he says.
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