Washington's view of health insurance agents comes from extensive research into the practices of the health insurance agent. Agents merely help people sort through the myriad of health insurance choices to complete a purchase transaction. For that one transaction the agent receives an exorbitant commission, a commission so large that it impacts the affordability of health insurance for the average family. Eliminate the myriad of choices and there is no need for an agent. Cut out the agent and not only will the insurance companies be able to comply with the new medical loss ratio requirements, but health insurance will also be more affordable for all Americans.

To facilitate this, we have created an insurance exchange pothole so that everyone can buy health insurance online with just a few clicks at a state-run superstore, www.Healthocity.com. There will be only be four plans (platinum, gold, silver, bronze) so all confusion will be eliminated. If you have questions, you can use the Internet chat feature and communicate with Peggy or Scott in New Delhi. After all, health care is not local in scope and it does not matter what doctors participate locally or where your 20-year-old son goes to college. This is a very simple process. Once you purchase the product, the system will work perfectly and you will have no need for any service afterwards. If you do not have access to the Internet (although we assume everyone does), just call us at 1-877-onholdforever.

Employer Benefits
If you are an employer purchasing through the insurance exchange pothole, we have eliminated the 4 percent commission normally paid to agents so you will find your group insurance premiums to be much lower than in years past. There will be a small service fee built into the premiums to administer the pothole, but don't worry, it will not be paid to some greedy insurance agent. It will go to your fiscally responsible and trusted government agency.