Can I use an agent or broker to buy health insurance in the Marketplace?



You can use a licensed agent or broker to provide help or handle your SHOP business. You won’t pay more if you use a SHOP agent or broker.

Get SHOP help from experienced agents or brokers

A licensed agent or broker can help you:

  • apply for insurance for your employees

  • review and compare price, coverage, quality, and other important features

  • choose a plan that works for your budget, business, and employees

Using your own health insurance broker

You can continue using your current licensed agent or broker to buy health insurance in the SHOP, provided your agent or broker signs an agreement with the Marketplace.

You pay the same, with or without a broker

The premiums you pay will be the same with or without the help of agents or brokers. Agents and brokers are usually paid by the insurance companies whose policies they sell.

Learn more and apply

View detailed questions and answers on SHOP procedures, including eligibility, application, enrollment, employee communications, and more. Questions 17 and 18 explain more about agents and brokers and the SHOP Marketplace.

There is a SHOP Marketplace in each state. You must have an office or employee work site within the SHOP's service area to use that particular SHOP. Choose your state and we’ll guide you to the right SHOP for you.

Have questions about the SHOP Marketplace for businesses with 50 or fewer employees? Call 1-800-706-7893 (TTY: 1-800-706-7915). Hours: Monday through Friday, 9 a.m. to 7 p.m. EST. Agents and brokers helping small businesses may also use this number.