The crisis that every consumer or business owner faces when buying health insurance is caused by a flawed system. Most carriers rely on agents and brokers to sell their products and give them incentives — commissions – to do so. What happens when premiums go down? Commissions go down. Therefore, agents and brokers really have no incentive to offer product solutions that will bring premiums down. Health care consumers are being fleeced by undereducated health care brokers who are over-occupied with commissions.