Dallas news station WFAA reports about a family that learned the hard way about NOT using a broker. Calling the marketplace or visiting healthcare.gov without talking to a broker is not smart. I use technology and google like everyone else; however, I would not go to court without wise counsel. In addition, there is no extra cost by using a broker. You do not have to pay one cent extra.
Your family situation might or might not be complicated but healthcare and health insurance is very complicated. Loop holes and traps can at least be addressed if you have some expert advice before purchasing a product that deals with the health and well being of your family and bank account.
Use the internet and gather as much information as you can on your own; however, talk to a well seasoned human too.