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Health insurance is sold by captive agents or by independent agents. Captive agents can only sell for one company. If you choose an independent agent, he or she will have the flexibility to look at all the competitive companies not just one. At Low Cost Health Insurance we are independent health insurance agents. We are just like a Travel Agent, they will help you find the best flight possible to go from point A to point B. Then as an added benefit you can purchase those airline tickets right there on the spot. Whether you had purchased direct from the airlines or through the travel agent it is exactly the same price. That is exactly how an independent health insurance agent works. We will work as a team to help you choose the best possible plan to meet you and your families' personal needs at the lowest premium available. For Further clarification call 1-888-627-0968.