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What Is a Health Insurance Agent and How to Become One

Health Insurance Agent

What Does a Health Insurance Agent Do?

A health insurance agent contacts potential customers to sell them health insurance. In this career, you explain the health care policy and plan to the customer and help them choose the coverage that best suits their needs. Your responsibilities include interviewing prospective clients and analyzing current clients’ policies for any needed additions or changes. Other duties of a health insurance agent include customizing insurance programs for individuals and handling policy renewals. You maintain electronic and paper records of customer’s health insurance and help policyholders settle any claims. Sometimes you cold call potential clients to pitch them on a policy from the insurance company for which you work.

How to Become a Health Insurance Agent

There are several steps to becoming a health insurance agent. First, you need a high school diploma or GED certificate. A bachelor’s degree can increase your job prospects, but it is not always required. Next, you need to earn your certification. Health insurance agents have their own license requirements that are separate from licensing for property or casualty insurance agents. Licensing requirements vary by state. Other qualifications include an understanding of health care laws, state and federal health benefits, and tax laws. You also need excellent computer skills and should be good at working with people over the phone.

What Is the Difference Between a Health Insurance Agent and a Health Insurance Broker?

A health insurance agent and a health insurance broker are similar, but there are some distinct differences. Health insurance agents typically work for one insurance company and are responsible for selling that company’s policies to customers. Health insurance brokers, on the other hand, have a distribution relationship with multiple insurance companies and can offer customers several different policy options. Health insurance agents usually work for a fixed salary, whereas health insurance brokers typically work on commission.

Health Insurance Agent Job Description Sample

With this Health Insurance Agent job description sample, you can get a good idea of what employers are looking for when hiring for this position. Remember, every employer is different and each will have unique qualifications when they hire for a Health Insurance Agent role.

Job Summary

Our insurance sales team is looking for a highly motivated Health Insurance Agent to join our team. You will earn commission in this role, so you need to be highly motivated to sell. You should also be comfortable with using customer relationship management (CRM) software. You will develop leads, identifying the needs of possible clients in order to promote the benefits of our coverage. While educational requirements fluctuate based on your phone sales skills and entrepreneurship, all applicants must have an insurance license in this state.

Duties and Responsibilities

  • Market our health insurance policies
  • Make cold calls and develop leads
  • Effectively explain the benefits of coverage
  • Identify client needs
  • Verify policy information

Requirements and Qualifications

  • High school diploma or GED certificate
  • Associate or bachelor's degree (preferred)
  • State insurance license
  • Phone communication skills
  • Sales skills