Except, anyone in America who doesn't get insurance through work has to assess all of the benefits/drawbacks of each plan without the help of a broker today. So

Except, anyone in America who doesn't get insurance through work has to assess all of the benefits/drawbacks of each plan without the help of a broker today. So the point is kind of moot. I think the bigger implications are that if I buy insurance, I can at least go into a database and look up to see if a broker is licensed. If a broker's information is stored in a database somewhere, it'd be much easier to seek out the bad actor for punitive damages. It also provides some fear on the broker side that if their information is stored somewhere that they are somewhat trackable.