Working with brokers and consultants

Working with a broker may help you maximize your time and simplify the process of choosing a health plan for your business. Brokers and consultants can present different plan options for your business and provide quotes to compare cost and coverage. They’ll explain each plan and help enroll your employees, plus they can help assist if you want to renew with the same insurance carrier during open enrollment.

How much does it cost to work with a broker or consultant?

Typically, brokers and consultants are commission-based and are paid by the companies they represent. They may receive a flat fee, percentage of the contract total or a fee based on the number of plan participants. This means you pay no more for their advice and the insurance you purchase than if you were to purchase directly from an insurance company. A broker should discuss any fees for their services with you upfront.

Will I have a long term contract?

Employer contracts are typically for one calendar year. Once you have signed on with an insurance carrier, you’re committed to keep that coverage until the end of the year. Before the end of the year, typically in the fall, you can choose whether you want to renew your contract with the broker and the insurance carrier. If the coverage and service provided has met the needs of your business, the broker or consultant will provide updated information about coverage for the coming year. 

Learn more about working with a broker or consultant

Before choosing to work with a health insurance broker, read more about their role and how they may help your business.

Hiring a health insurance broker or consultant

See our suggestions for finding a broker or consultant for your business.

Get coverage for your business

For companies with 2 to 50 employees

For companies with 51+ employees

Find a Unitedhealthcare preferred broker

Connect with a broker to help you find the right health plan for your business.
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