What is the primary responsibility of a health insurance agent?

The primary responsibility of a health insurance agent is to assist clients in understanding their health insurance coverage. This involves explaining the various aspects of different policies, such as coverage limits, exclusions, premiums, and deductibles. Agents play a crucial role in helping clients navigate the often complex world of health insurance, ensuring that individuals choose plans that meet their specific needs and budgets. By providing clear explanations and guidance, agents enable clients to make informed decisions about their health coverage, which is essential for minimizing out-of-pocket costs and maximizing benefits.

The other options, while relevant to the broader context of health insurance, do not capture the primary role of an agent. Selling the most expensive policies does not align with a client-centric approach and is not a responsibility expected of a professional agent. Managing claims is typically a function of the insurance company rather than the agent. Determining eligibility for government programs is generally handled by specialized organizations or individuals in those specific sectors, separate from the role of a health insurance agent.