{"id":1513,"date":"2017-11-17T01:42:34","date_gmt":"2017-11-17T01:42:34","guid":{"rendered":"https:\/\/www.simplyinsured.com\/advice\/?p=1513"},"modified":"2021-06-18T19:57:59","modified_gmt":"2021-06-18T19:57:59","slug":"licensing-process","status":"publish","type":"post","link":"https:\/\/www.simplyinsured.com\/advice\/2017\/11\/17\/licensing-process","title":{"rendered":"How Are Health Insurance Brokers Licensed?"},"content":{"rendered":"<h1>How are health insurance brokers licensed?<\/h1>\n<p><span style=\"font-weight: 400;\">If you are a little confused about what health insurance brokers do, you\u2019re not alone. Before you start working with a health insurance broker, you might also want to know what qualifies health insurance brokers to guide you through the process of selecting and enrolling in health insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll be glad to know that someone can\u2019t just decide to become a health insurance broker one day, and then start selling health insurance the next day. Health insurance is a highly-regulated industry at both the federal level and state level. To protect consumers and ensure that these regulations are upheld, every state has a set of licensing requirements that brokers must meet in order to be eligible to sell health insurance. Though the requirements vary by state, there are two overarching steps individuals must take to become a licensed health insurance agent or broker:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pass an exam to sell health insurance in any state the individuals wishes to be licensed in<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Become an expert in any insurance the individual seeks to sell through training provided by the individual insurers. <\/span><\/li>\n<\/ol>\n<h4><b>Health Insurance Broker Exam<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Individuals who wish to become health insurance brokers are required to complete a certain amount of pre-licensing coursework, 40 hours in Florida, for example, prior to taking the licensing exam in most states. &nbsp;Each state\u2019s Department of Insurance provides additional guidance on the pre-licensing requirements. Once a potential broker completes any required coursework, that person becomes eligible to take the state\u2019s agent or broker licensure exam. <\/span><a href=\"https:\/\/americasprofessor.com\/general\/how-do-pre-licensing-requirements-for-insurance-agents-vary-by-state\/\"><span style=\"font-weight: 400;\">The exams vary by state<\/span><\/a><span style=\"font-weight: 400;\">, but all cover health insurance regulations at the national level, as well as state regulations in the state in which the exam is being taken. Other components of the exams include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rules and regulations on the sale of health insurance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How insurance claims are handled<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Health insurance terminology<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Various restrictions that might apply to the sale of insurance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some states have reciprocity agreements that allow individuals to sell insurance across state lines without taking the state\u2019s exam. <\/span><\/p>\n<h4><b>Health Insurer Requirements For Brokers<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Health insurance brokers must be contracted through individual health insurers to sell that company\u2019s products. The contracting requirements vary by insurer, but brokers are provided with the tools and information necessary to guide you through all of your health insurance needs. Health insurers provide brokers with:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Training to meet any certification requirements<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Detailed product information<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Marketing material<\/span><\/li>\n<\/ul>\n<p>SimplyInsured is well-versed and knowledgeable in every insurance product we offer. We stay on top of all changes and updates made by the health insurers we work with. Health insurance brokers are the experts, so as the consumer, you should expect your broker to be your source of information and to not only help you select a health insurance that meets your needs, but also keep you informed of any updates and changes that might occur throughout the duration of your coverage.<\/p>\n<p><span style=\"font-weight: 400;\">The health insurance industry can be very intimidating, and health insurance brokers are the experts who work with you to help select the best product that best meets your needs. <\/span><a href=\"https:\/\/www.simplyinsured.com\/advice\/2017\/11\/09\/health-insurance-broker\"><span style=\"font-weight: 400;\">Health insurers brokers like SimplyInsured<\/span><\/a><span style=\"font-weight: 400;\"> are technically also licensed health insurance agents. The difference with brokers is that they work with multiple insurance companies, and are knowledgeable about all of the products those various insurers offer. Agents, on the other hand, typically just work with a single insurance company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Should you have any other questions about how health insurance brokers are licensed or how SimplyInsured can help guide you through the process of selecting health insurance for your small business, please contact us at <\/span><span style=\"font-weight: 400;\">support@simplyinsured.com.&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How are health insurance brokers licensed? If you are a little confused about what health insurance brokers do, you\u2019re not alone. Before you start working with a health insurance broker, you might also want to know what qualifies health insurance brokers to guide you through the process of selecting and enrolling in health insurance. You\u2019ll&#8230;<\/p>\n","protected":false},"author":2,"featured_media":1514,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false},"categories":[13],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.7 (Yoast SEO v19.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Are Health Insurance Brokers Licensed? - Advice Blog<\/title>\n<meta name=\"description\" content=\"Explanation of the licensing process for health insurance brokers. 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