If you have a dust up with your health insurance company, wouldn’t you want your local health insurance agent/representative to go to bat for you? Sure you would, and this is what will happen if you buy your health insurance locally from people who are familiar with local conditions.
The local agents know who to talk to, how to pull some strings, and how to help resolve any problems you may have. So, if you want health insurance coverage that really counts, an insurance agent willing to go to bat for you in a dispute, and a policy that really suits what you need and want, buy local. If you spend the time finding out the ins and outs of your local coverage area, you would be surprised at some of the things your agent is able to tell you. They’re there to help you, not sell you something you don’t want.