How Do I Buy Health Insurance? 
You buy health insurance from an experienced broker -LRB- and our websites -RRB- to secure the lowest rates and the best advice . Typically , during Open Enrollment , you do n't have to answer medical questions and pre-existing conditions are covered . You also may qualify for a federal tax subsidy that can reduce your premiums . An experienced broker can review your options , show you the best plans and help you enroll . Of course , you pay no fees . 