Health Insurance: Does it cost me more to use an agent?

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Whether you decide to use an insurance agent or purchase direct from the insurance company the premium should be the same if purchasing the exact plan.  The premiums are regulated by the state's insurance department.

In some states it could actually be cheaper to use an agent, as some states allow the agent to rebate a portion of his/her commission to lower the premium.

California for example allows the agent to rebate his/her clients.