Getting help · 2027

Independent agent vs. HealthCare.gov: what’s the difference?

You can always enroll yourself. Here’s what an agent or broker does, how they’re paid and what it costs you (nothing extra).

Your info goes to Nexus only and is never sold. Not to a call center, not to a list of “partners.”

No added cost to you
Tax credits still apply
Licensed in Michigan

Get free enrollment help

Your info goes to Nexus only. Never sold. No pitch, no obligation.

Full name

Phone

ZIP code

Household size

Coverage type

By checking this box, I agree that Nexus Benefit Solutions (and only Nexus Benefit Solutions) may contact me about health insurance at the phone number and email above, including calls and text messages that may use automated technology. Consent is not required to get help or to buy anything. Msg & data rates may apply; frequency varies. Reply STOP to opt out, HELP for help. See our Privacy Policy.

This is a request for help, not an application for coverage. Nexus Benefit Solutions is a private, independent agency and is not affiliated with HealthCare.gov, CMS, the State of Michigan or DIFS. Please don't include medical details in this form.

Short answerHealthCare.gov says you won’t pay anything additional if you enroll with an agent or broker, and you can still get a premium tax credit as long as they enroll you through the Marketplace.^[1]

Agent, broker or do it yourself

Agents may work for a single insurance company; brokers may represent several.^[1,2]
Agents and brokers must be licensed in their state and sign agreements to sell Marketplace plans. They’re often paid commissions by insurers.^[1]
Free help also exists through assisters listed on HealthCare.gov’s local help tool.^[3]

What an independent agency adds

Side-by-side comparison of plans from the insurers we work with, including networks and drugs.
Help estimating 2027 income now that excess credits must be fully repaid.^[4]
Help after enrollment, like billing or ID card issues.

Nexus Benefit Solutions is an independent agency. We may not offer every plan available in your area; HealthCare.gov lists all Marketplace plans. We are paid by insurers, not by you.

Start with how to get a 2027 plan or the Open Enrollment 2027 guide.

Sources

HealthCare.gov glossary, Agent. https://www.healthcare.gov/glossary/agent/
HealthCare.gov glossary, Broker. https://www.healthcare.gov/glossary/broker/
HealthCare.gov, Find local help. https://www.healthcare.gov/find-assistance/
26 U.S.C. §36B and notes (Pub. L. 119-21 §71305, effective for tax years after Dec. 31, 2025), Cornell LII. https://www.law.cornell.edu/uscode/text/26/36B

Checked October 16, 2026. 2027 Marketplace plans and final 2027 rates aren’t published yet; we’ll update this page when they are.

Frequently asked questions

Does using an insurance agent cost more?

No. HealthCare.gov says you won't pay anything additional if you enroll with an agent or broker.

Can I get a subsidy if I use an agent?

Yes, if the agent or broker enrolls you through the Health Insurance Marketplace.

How are agents paid?

Agents and brokers often receive commissions from insurance companies.

Will you sell my information?

No. Your information goes to Nexus Benefit Solutions only and is never sold.

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