How many people have used an independent insurance agent to shop plans? (hospital, doctor)
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My sister did when she left her job and took early SS but was too young for Medicare
The Cobra option was way to expensive for her
My friends who were forced off their American Airlines retirees' health plan used a guy and went back to him when they were on Medicare for help choosing best policies for their needs--
Some husbands and wives are on different plans for their different health conditions or RX although they might see the same doctors or use same hospitals...
I did when my Mom had to change plans from a very expensive BCBS plan to an Arizona plan, when I moved her here. I just walked in and got help immediately.