Q. We have used the same agent for years for our homeowners & auto insurance. Because of the trusted relationship, we asked him to quote our health insurance. As it turns out, his company no longer writes health insurance direct but does allow him to write coverage through another company. We just got their offer and we are very disappointed. The rates came back $90/month more and there are many exclusion riders on the policy. Could we have done better?

A. You definitely could have done better.

Your P&C agent may know his stuff when it comes to auto & homeowners but he is in uncharted waters when it comes to health insurance. This should be evident by the offer.

Your medical history is quite extensive. I might be able to get you through underwriting with fewer riders, but I know I can save you almost $100 per month on premiums.

The carrier he used has rated your premium because of your weight. The carrier I would suggest will consider you a standard risk and will not load your premium.

I appreciate your loyalty, but is it worth paying an extra $1200 per year, every year just to have him service your health insurance?