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Subsequent rules go further, requiring states to consult health care providers, insurers, agents and brokers.
Critics say that rates are often exorbitant, partly because of close ties between insurers, agents, mortgage servicers and brokers.
In case of missing information, insurers' customer services and insurers' agents were contacted.
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Insurers and insurance agents don't mind such questions.
Captive insurance agents work for an insurer and only offer their company's insurance.
The reinsurer (principal) is concerned about potential ambiguity in the claim intensity, but the insurer (agent) is not.
Ms. El, the State Farm marketer, said advertising to N.B.A. fans enabled the insurer to highlight its on-the-ground insurance agents to a youthful, diverse group of consumers.
At the same time, insurance agents say, coverage is shrinking as deductibles have increased and insurers limit the choice of hospitals.
Janet S. Trautwein, executive vice president of the National Association of Health Underwriters, which represents insurance agents and brokers, said employee groups were more attractive to insurers for several reasons.
Mr. Hunter points out that title insurance agents, who receive commissions from the title insurance companies, usually pick the insurer.
Ace Private Risk Services recently surveyed 600 independent insurance agents, independent meaning that an agent is not the captive of one insurer.
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