Gary Pierce asked:




You should be able to compare health insurance plans without talking to a salesperson. Why is that so difficult?

The insurance companies want it to be difficult for you, easy for them… they have no interest in you becoming an informed consumer.

1) The insurance companies want you to talk to their particular representative and no one else.  

2) The insurance companies have no interest in informing you of the most affordable plan if they don’t sell it.  

3) The insurance companies are solely interested in selling you their particular product.  

There is nothing evil in the above…but they are facts. In the US, for every six dollars spent…one dollar is spent on health care. This is the largest single business group in the country.

Because it is so huge the insurance companies can afford to:

A) Hire and equip a massive sales staff

B) Be able to spend millions on advertising …which duck is better known today than Donald?  

C) Spend millions on lobbying to give them… not you… every possible advantage.      

They do not want you to be exposed to other companies plans if they can help it.

For example I am 64 and will soon be eligible for Medicare. Living in Arizona, the law states that I must go through an agent to get a quote for supplemental Medicare insurance. I can not get this information online without giving my phone number…something I am loathe to do. 

They lobby hard to drive consumers looking for the best, most affordable plan to their sales force. Why do you need a salesperson to identify the plan best suited to your family? The answer is you don’t. You are quite capable of making the best decision for your family.

If you feel you are capable of comparing health insurance plans yourself there is good news. My family has used this free service for 8 years. We have saved thousands. We can get quotes in 30 seconds. We can tell if our doctor will accept a particular policy. I wish the same service was available for Medicare supplement plans.

Of course you can do this yourself. Enjoy.