Ideally, dealing with a local health insurance agent means you’ll get a policy tailor made for you and your family. It won’t be a general package that, while it is inexpensive, really wouldn’t do a lot for you when you needed it to kick in. When you buy health insurance plans, the idea is that you are buying them for the long-term, , so getting something that suits you now and will serve you for more than just a year, makes more sense than having to switch every year – well, unless you need to or have to because of a change in your circumstances.
To find out what is the best package for you, talking to a local health insurance agent is one smart move. If you’re totally fed up with dealing with out of state companies, call local agents and find out what they have to offer. You may be pleasantly surprised.