In this Thursday, Oct. 10, 2013 photo, insurance broker Jeff Lindstrom, right, meets with Brandi and Darren Litchfield to discuss health insurance plan options, at their home in the Seattle suburb of Bothell, Wash. Darren works for a startup company that doesn't yet offer an employee insurance plan, so they invited Lindstrom to outline the options of different healthcare plans that he offers as a broker. (AP Photo/Ted S. Warren)

In this Thursday, Oct. 10, 2013 photo, insurance broker Jeff Lindstrom, right, meets with Brandi and Darren Litchfield to discuss health insurance plan options, at their home in the Seattle suburb of Bothell, Wash. Darren works for a startup company that doesn't yet offer an employee insurance plan, so they invited Lindstrom to outline the options of different healthcare plans that he offers as a broker. (AP Photo/Ted S. Warren)

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