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12 Questions to Ask a Health Insurance Agent

The questions that separate a helpful agent from a quick sale, before and after you enroll.

A short list of questions can tell you a lot about the agent you're talking to.

About the agent

  1. Which insurers can you quote in my county?
  2. Are you certified with the marketplace for this year?
  3. What is your National Producer Number?
  4. How are you paid?
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About the plans

  1. Are my doctors and hospitals in network?
  2. Are my prescriptions on the drug list, and at what tier?
  3. What is the total yearly cost if I use care the way I expect to?
  4. Is this plan ACA-compliant?

About subsidies

  1. How did you estimate my premium tax credit?
  2. What happens if my income changes?

After enrollment

  1. Will you help if I have a billing or claims problem?
  2. Will you review my plan with me before next year's open enrollment?

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