03/02/2026
What does a health insurance broker actually do?
It’s a question we get a lot, and honestly, it’s a fair one.
A health insurance broker sits between you and the insurers. Our job is to make sure you get the right cover, not just a policy.
In practice, that means we:
- Compare the market across multiple insurers, not just one
- Explain the differences in plain English, no policy jargon
- Negotiate terms and pricing where possible
- Handle the admin, paperwork, and renewals
- Support you when something changes or when you actually need to use the policy
- For businesses, it also means advising on benefits strategy, employee needs, and compliance, not just premiums.
And one thing that often surprises people:
Using a broker usually doesn’t cost you anything. We’re paid by the insurer, not by you, so you get expert advice without an extra fee.
Health insurance can be confusing, but it doesn’t have to be. A good broker’s role is to save you time, reduce risk, and help you make informed decisions with confidence.
If you’ve ever wondered whether you’re on the right cover, or why policies vary so much, that’s exactly where we come in.
Happy to answer questions in the comments 👇
