People can buy health insurance from top providers. This a better option because of its many advantages. Firstly, people who buy directly from top providers can take their decision alone. They are in contact with the provider and have knowledge of what is going on. There are no agents or brokers in between and so they are free to take their own decision without consulting anyone. Secondly, policy holders are also aware of any schemes that might come up and will not need to rely on the awareness of the broker or agent to dictate to them what to do.

Buying health insurance from top providers also has its shortcomings. Policy holders will have to contact the provider each time they want to discuss any issue whether big or small. Again, policy holders will also have to go to the provider when and if they need any information which may take time to get.

There are three options for people to choose from when thinking of buying health insurance. It is either they buy directly from providers, go through agents that is directly link to one particular insurance company or they buy through brokers. Brokers can act for more than one health insurance companies.