Final answer:
Using a benefit broker can save time, offer in-person assistance, and potentially provide tax breaks, but it doesn't guarantee cheaper healthcare services. Brokers may help get better rates on insurance premiums, not the healthcare costs themselves. Obamacare aimed to make insurance more affordable but didn't focus on brokers.
Step-by-step explanation:
The question pertains to understanding the advantages of using a benefit broker, except for one option that does not apply. Benefit brokers are typically used to help navigate the complex landscape of health insurance options. By working with a broker, individuals and businesses can often save time by having the broker compare and suggest plans, potentially secure tax breaks through informed selections, and receive in-person assistance to understand the complexities of different health insurance products.
However, the assertion that using a benefit broker will result in cheaper healthcare is a misconception. While brokers may help clients obtain competitive rates on insurance premiums by leveraging large client pools, this does not necessarily translate to cheaper healthcare services themselves. In fact, insurance companies can negotiate lower rates with healthcare providers due to their large client base, thus increasing the benefits to consumers who become insured. This negotiation leads to savings for the insurance company when it pays out claims, but it does not inherently lower the overall cost of healthcare services that might be incurred without insurance.
It's important to note that the Patient Protection and Affordable Care Act (Obamacare) had certain goals like requiring all Americans to have health insurance, lowering the costs of healthcare, and increasing employment in the healthcare industry. One of the underlying purposes of this was to make health insurance more affordable, but Obamacare's goals did not focus explicitly on the role of benefit brokers in this process.