Insurance brokers

Many companies have dropped commissions during the Biden administration's special enrollment period. The industry’s trade group says that people who sign up outside the end-of-the-year window tend to be sicker, driving up the price of insurance.

Some consumers "have gone months" without realizing someone had improperly enrolled them in health plans, with tax credits that may need repaying. A proposed new rule would stop the practice.

Independent brokers help employers choose health benefits for their staff but are paid by the health insurance industry, creating financial incentives to sell more without regard to cost.