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The Role of Agents and Brokers in the Market for Health Insurance
National Bureau of Economic Research [NBER], purchase required 
Aug. 19, 2013
"This paper [investigates] the influence of agents/brokers on health insurance decisions of small firms, which are particularly vulnerable to problems of financing health insurance. Using a unique membership database from the National Association of Health Underwriters together with a nationally representative survey of employers, we find that small firms in more competitive agent/broker markets are more likely to offer health insurance and at lower premiums. Moreover, premiums are less dispersed in more competitive agent/broker markets."
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