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- So if someone isnt getting insurance through their employer, is there, can they just go directly to the insurance company as opposed to going through one of these brokers? - Its very difficult, but you need to go through some intermediary. People should recognize the government has public exchanges. If you go to healthcare.gov or other sites there are resources to point you in the right direction. Beware of these skimpy plans, but at the same time, be open to alternate insurance products that may be a better deal, like faith-based co-ops and health shares and health savings accounts. These can be very good plans for a lot of people and they put their terms in very plain English so you can understand them. - Trish, I mean after this all played out, you didnt get anything covered. You tried to find this broker and just, he was unavailable. - Correct, yeah. We tried to call his number and it was disconnected. - So what in fact did you have to pay out of pocket after your accident? -