Nothing. A broker's services are always free to the consumer. We are paid by the insurance vendors, and it is a large part of our job to service your account and help resolve any issues that may arise.
Coverage can be provided by an employer or purchased on the open market. There is a narrow window each year to sign up for coverage, and it is not generally possible to get coverage outside that time frame unless there is a qualifying event. The next open enrollment period for coverage starting in January of 2016 runs from November 1st 2015 to January 31st 2016.