@GroovyYankee Third-party marketplaces simplify U.S. health insurance comparison, helping consumers evaluate ACA plans, pricing, and subsidies easily.

However, relying solely on brokers carries the risk of bias, potentially causing consumers to miss better, cheaper options. Purchasing directly from insurers may result in missing out on valuable ACA subsidies. Therefore, I suggest that the smart move is to use both methods for the best results.