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According to the US Census Bureau, about 9% of Americans are covered under individual health insurance. [1] In the individual market, consumers pay the entire premium without an employer contribution, [2] [3] and most do not receive any tax benefit. [4] The range of products available is similar to those provided through employers.
States regulate the content of health insurance policies and often require coverage of specific types of medical services or health care providers. [67] [68] State mandates generally do not apply to the health plans offered by large employers, because of the preemption clause of the Employee Retirement Income Security Act.
For their efforts, independent agents are paid a commission (remuneration). [2] In addition to insurance policies, agents often sell mutual funds, annuities, and products that address wealth management, retirement and estate planning. Independent agents must be licensed by the states in which they sell insurance and financial products. [2]
Brokers for auto, home or life insurance are professional intermediaries who help individuals, businesses and organizations secure insurance coverage. They work independently, meaning they don’t ...
HealthMarkets Insurance Agency, Inc., formerly known as Insphere Insurance Solutions, Inc., is licensed as an insurance agency in all 50 states. The company offers individual policies as well as life insurance, supplemental insurance, Medicare, dental insurance, vision insurance, and long-term plans from national and regional carriers through a ...
Insurance is a necessary component of life. From health to home to auto and beyond, having insurance means that you are equipped with a backup plan in the event that the worst happens to you and ...
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