Originally Posted by Pawnmower
I would rather use the new form of exchanges yes....Through an independent agent I cannot get a group rate currently. Also, the options I have through my agent are very very limited. I want more options and more buying power.
You apparently are not using an independent agent you are using a "captive agent".
Also, regardless of buying power of a group, individual coverage is more expensive to administrate than group business so buying power is less of an issue.
Or you could join a MET.