Knowledge is knowing things such as the best local hospitals, who pays claims and who doesn’t, which ones may have problems and which ones don’t have problems. This is the kind of information that you need to know before you can get a good quote in your local area, and who better to ask than your local health insurance agent? Really, wouldn’t you rather have someone in your area telling you these things than someone in another state guessing what you may need?
The best way to get a health insurance quote is to get one locally. You have personal service that way and someone to go to bat for you if you have issues with a claim later. Good service is so rare these days, that it only makes sense to keep it when you find it.