Except when &quot;being your broker&quot; means &quot;some random sales dude with no training nor experience is handling your company&#x27;s health insurance.&quot;<p>It&#x27;s not particularly hard to get licensed (usually around $100, a training course of 40-100 hours (which they are large enough, they could set up inhouse), and possibly fingerprinting). Is it a hassle to get licenses in multiple states? Yeah--though most states honor other state&#x27;s licenses, and just require the fee then.<p>In any case, this is table stakes--and if they can&#x27;t get this basic aspect right (after being warned for years!)  how well do you think they manage the tricky stuff? And why aren&#x27;t they hiring experienced health brokers in the first place?<p>(The stuff about illegal rebates because they give away their software is garbage though. I&#x27;m 100% on their side for that.)