You definitely want to deal with local health insurance agents because they know things that will save you time and money when it comes to buying health insurance that works for you. You want to know who does pay on their claims, which hospitals are really good, and what certain doctors offer and don’t offer. After all, what sense does it make to call an out-of-state insurance company in Texas to get health insurance in Maine? The folks in Texas wouldn’t have a clue about your local networks or which hospital is best.
If you want personal service, buy your health insurance locally because not only will you get a good deal, you will have the benefit of the health insurance agent’s extensive experience in your part of town. There is no sense in playing guessing games with someone who wants to sell you insurance from another location. Besides what would happen if you had a claim denied? Trying to deal with a remote insurance company would be a monumental problem.