The Web does not replace the value of an experienced agent. Health insurance in the U.S. is comprised of a vast market of individuals and businesses needing coverage. In the small-business market alone (two to 50 employees), there are some $100 billion in insurance premiums sold to more than six million small businesses nationwide. The individual market provides an additional $17 billion in annual premiums. Many dot-com startups are trying to make health insurance yet another product sold ...

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