A broker may help you set up a policy, but your contract is with the insurer
While an insurance broker may or may not help you set up your health insurance policy, the contract will always be between the insured (you or your company) and the insurer).
Like other types of insurance, health insurance policies are a way of transferring risk. By paying a monthly premium, an insurer agrees to shoulder the risk that you may need medical treatment, and by having a large pool of members, this risk is shared or spread.
Health insurance policies come in many varieties, and each insurer will often provide different benefits and terms. When looking at health insurance, shopping around to find the best insurer and policy for you or your company is important. A broker can help you do this, or you can research the various options yourself without seeking professional assistance.