This is completely up to you but it could have some benefits over shopping plans yourself. A broker in insurance, just like a broker in any other sense, represents the buyer (you). They may be able to provide you with data or research, shop different carriers and plan types on your behalf, and share market trends and best practices with you. Brokers are paid in a couple of different ways, so make sure you understand the structure prior to working with one. You can find a broker in a few different ways: an internet search for brokers in your area will usually prove fruitful; asking other companies for referrals; networking events; or, if you are a client of a payroll company or similar service, they may have contacts that they can refer or introduce you to.