Healthcare Funding Partners

What Healthcare Funding Partners does

Healthcare Funding Partners (HFP) is a Boca Raton, Florida-based specialty finance and insurance distribution platform founded in 2019 that invests exclusively in the U.S. Health Insurance Marketplace. The company operates through two principal divisions: HFP Insurance Agency, which distributes Medicare, ACA, Life, and ancillary insurance products through licensed agents in all 50 states (Medicare) and 30+ states (ACA) with carrier access to Aetna, UnitedHealthcare, Blue Cross Blue Shield, Cigna, and Ambetter; and HFP Investments, LLC, the strategic investment arm that provides commission advances, HEAPs (Healthcare Electronic Advance Payments), book-of-business acquisitions, and equity investments to call-center-based insurance agencies, IMOs, TPAs, MGAs, and carriers. A sister entity, Medicare Funding Partners (MFP), was launched in July 2021 to focus on the over-65 market.

HFP's underlying technology stack is proprietary and AI-native, comprising an enterprise-grade AI-powered CRM with built-in e-signature, omni-channel engagement, integrated dialer, and dual-region Azure infrastructure supporting 99.9% uptime; an AI-powered ad tech platform that automates thousands of media-buying campaigns simultaneously with continuous CPA optimization; an AI call compliance platform that transcribes and scores 100% of agent calls against CMS-aligned criteria in real time; and THIA (Total Health Intelligent Assistant), an omni-channel AI healthcare concierge launched in mid-2024 that handles appointment scheduling and ACA enrollment via SMS. The platform is augmented by wholly-owned portfolio companies including Total Health (ACA + impact investing), GetMeHealthcare (acquired Q2 2025; nationwide agency), and Vertical Pulse (acquired Q4 2025; AI-first performance marketing and analytics).

HFP's business model combines transaction-fee specialty finance (interest on commission advances, purchase discounts on HEAPs, and equity returns on portfolio investments) with recurring insurance commissions across Medicare, ACA, and ancillary lines. To date HFP has placed more than 2.7 million Americans into coverage and enrolls 40,000+ consumers monthly, supported by 500+ employees across 70,000 sq ft of office space and approximately $315 million in cumulative senior secured debt facilities ($35M in 2022, $100M expandable to $200M from Post Road Group in 2023, and a $180M facility led by J.P. Morgan and Citi in February 2025).

Name

Healthcare Funding Partners

Legal name

Healthcare Funding Partners

Website

https://healthcarefundingpartners.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Healthcare Funding Partners is a Boca Raton-based specialty finance and insurance distribution platform founded in 2019 that provides commission advances, book-of-business acquisitions, equity investments, and proprietary AI technology to call-center insurance agencies distributing Medicare, ACA, and ancillary products across the U.S.

Ownership category

akta.pro rank

Product category

Specialty Finance - Healthcare Insurance

NAICS

Insurance Agencies and Brokerages (52421), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324), Miscellaneous Business Credit Institution (6159), Accident & Health Insurance (6321)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Medicare Plan Administration & Third-Party Services (TPA/BPO, Enrollment, Billing) (FSAIAGAI), Healthcare & Medical POS Financing (FSAKAFAI), Medigap Marketing, Lead Gen & Compliance (CMS/Do-Not-Call/TPMO) (HLAEADAE)

Keywords

• Healthcare insurance financing
• Commission advances
• Insurance agency investments
• Health insurance marketplace
• Specialty finance lending

Headquarters

HQ city

Palm Beach Gardens

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Commission Advances: Advancing commissions to insurance agencies, providing immediate liquidity against future commission streams. HFP focuses on the call center market and companies that support this ecosystem.
2. HEAPs (Healthcare Electronic Advance Payments): Purchasing future commissions, providing capital in exchange for assignment of future revenue streams from insurance books of business.
3. Book of Business Acquisition: Acquiring books of business from insurance agencies, IMOs, TPAs, MGAs and insurance carriers, including commission streams from Medicare Supplement, Advantage, Long-Term Care, Final Expense and ancillary plans.
4. Equity Investments: Making equity investments in insurance agencies and distribution companies, maintaining portfolio companies while providing strategic capital solutions.
5. Professional Services: Delivering legal, accounting, and HR-related services to insurance agency partners alongside financial sponsorship.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Healthcare Funding Partners (HFP) is a specialty finance and strategic investment firm focused exclusively on the U.S. Health Insurance Marketplace. The company provides commission advances, purchases future commissions (HEAPs), acquires books of business from insurance agencies, and makes equity investments in insurance distribution companies. HFP also operates an in-house licensed insurance agency distributing Medicare Advantage, Medicare Supplement, ACA, and ancillary plans through call centers, supported by proprietary AI-powered CRM, ad tech, and compliance platforms.

Product overview

Healthcare Funding Partners operates as a diversified holding company and strategic insurance investment platform that combines proprietary AI-powered technology with insurance distribution services. The company offers three integrated layers: (1) Insurance products through HFP Insurance Agency covering Medicare, ACA, and ancillary markets; (2) Capital solutions through HFP Investments for equity partnerships and acquisitions; and (3) Proprietary technology including AI-powered ad tech, CRM/sales force management, and AI call compliance platforms. The ecosystem is enhanced by portfolio companies Total Health and THIA (AI healthcare concierge), along with acquired platforms GetMeHealthcare (insurance distribution) and Vertical Pulse (performance marketing).

Differentiator

Problem solved

Functional benefit

Brands

• Vertical Pulse: Performance marketing and technology company specializing in digital customer acquisition, analytics, and automation. Acquired by HFP in Q4 2025.
• GetMeHealthcare
• Total Health
• Medicare Funding Partners (MFP)

Products and services

• Commission Advances
• HEAPs (Healthcare Electronic Advance Payments)
• Book of Business Acquisition
• Equity Investments in Insurance Agencies
• Professional Services for Insurance Agency Partners
• HFP Insurance Agency
• Medicare Funding Partners (MFP)
• THIA (Total Health Intelligent Assistant) AI Concierge
• AI-Powered Ad Tech Platform
• CRM and Sales Force Management Platform
• AI Call Compliance Platform

Quantifiable outcome

• 2.7 million Americans placed into Medicare, ACA, and ancillary products
• +3 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and major.

• Vertical PulsecoreTechnology or Integration · 31 December 2025Acquired in Q4 2025, Vertical Pulse is a performance marketing and technology company specializing in digital customer acquisition, analytics and automation. The acquisition significantly enhances HFP's AI-first media and marketing platform with proprietary automation, analytics, and real-time optimization technology.
• GetMeHealthcarecoreStrategic or Co-development Partner · 7 May 2025Acquired in Q2 2025, GetMeHealthcare is a nationwide insurance agency with over 50,000 square feet of office space across multiple states, best-in-class compliance infrastructure, and thousands of licensed agents. The acquisition solidifies HFP's position as a leading insurance platform and enables expansion into life and auto insurance products.
• Elite Medicare Advisors (EMA)majorStrategic or Co-development Partner · 1 January 2023Collaboration representing coordination in running a full sales force in a remote environment using remote agents. EMA is a leader in Medicare beneficiaries coverage in all 50 states with an at-home agency model. MFP expected over 500 sales daily from this partnership by AEP 2023.
• Tobias & AssociatesmajorStrategic or Co-development Partner · 20 April 2022Strategic investment in Tobias & Associates, one of the largest and most successful call centers in the health insurance industry. Located in Palm Beach County, FL, the company operates GetMeHealthcare platform and ranked #55 on Inc.com Regionals list for Southeast region in 2021.
• ISG (Insurance Specialist Group), an Amerilife CompanycoreStrategic or Co-development Partner · 15 February 2022Exclusive advanced funding partnership covering ISG's full distribution for both under and over 65 products. This partnership opened a network of distribution including approximately 100 insurance agency call centers. ISG is a leader in marketing, developing and distributing life/health insurance, annuities and retirement plans.
• Boost Healthcare Insurance (BHI)majorStrategic or Co-development Partner · 1 January 2022Strategic alliance to extend Medicare benefits across California (West Coast). Boost Healthcare Insurance works with 125 licensed insurance agencies call centers and specializes in 65+ tailored medical insurance plans. The partnership leverages HFP's financing expertise with BHI's marketing solutions and internal call center agency.
• ISG (Amerilife)coreStrategic or Co-development Partner · 1 January 2022ISG, now an Amerilife company, realized steady growth in the expanding under 65 market. HFP participates in exclusive advanced funding partnership covering ISG's full distribution for both under and over 65 products, opening network of approximately 100 insurance agency call centers.
• United Insurance Group (UIG)coreStrategic or Co-development Partner · 1 July 2021Medicare Funding Partners (MFP), an HFP sister company, formed strategic partnership with United Insurance Group. UIG has over 30 years of experience in specialized reporting, compliance, and finalization management for the Medicare sector. UIG specializes in Medicare Supplement, Medicare Advantage, Long-Term Care, Home Health Care, and Hospital Indemnity products for seniors.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GoHealth: GoHealth is a large publicly traded Medicare-focused health insurance marketplace operating primarily through call-center distribution. Comparable to HFP because both sell Medicare Advantage, Medicare Supplement, and ACA products via licensed agents in call centers and rely on carrier commission economics.
• SelectQuote: SelectQuote is a direct-to-consumer senior-focused insurance distributor generating the majority of revenues from Medicare-related products. Comparable to HFP due to overlapping call-center-driven distribution of MA, Medigap, and ancillary products and reliance on CMS-aligned compliance.
• eHealth: eHealth operates an online health insurance marketplace with a strong Medicare and ACA focus. Comparable to HFP because both serve as distribution platforms for individual Medicare/ACA plans across multiple carriers and earn carrier commissions on enrollment.
• QuinStreet: QuinStreet is a performance-marketing company that acquires customers in high-value verticals including insurance and healthcare. Comparable to HFP because both drive online lead generation for insurance products and depend on AI-driven campaign optimization against CPA targets.
• Benefytt Technologies: Benefytt (now operating as SelectQuote-related entities) is a health insurance distributor with strong Medicare and ACA marketplace exposure. Comparable to HFP as a vertically integrated distributor leveraging call-center operations, lead generation, and carrier relationships.

Broad incumbents

• HealthEquity: HealthEquity is a large public healthcare financial-services platform administering HSAs, HRAs, and COBRA. Comparable to HFP at the category level as a specialty health-finance operator, though HealthEquity's distribution model and product set are broader and B2B-employer-focused.
• AmeriLife: AmeriLife is a large insurance distribution platform that owns ISG, HFP's exclusive funding partner. Comparable to HFP because both operate as diversified insurance distribution platforms combining agency networks, IMO/FMO structures, and Medicare/ACA focus.

Emerging players

• MediaAlpha: MediaAlpha operates a customer acquisition marketplace for insurance carriers, including health. Comparable to HFP because both monetize the customer-acquisition layer of the insurance value chain and rely on real-time bidding data to optimize consumer lead flow at scale.
• EverQuote: EverQuote operates an online insurance marketplace with significant Medicare and ACA lead-generation exposure. Comparable to HFP because both compete for the consumer at the top of the insurance acquisition funnel and monetize through carrier and agency customers.

Others

• Post Road Group: Post Road Group is an alternative-investment advisor providing HFP's $100M credit facility. Listed as a relevant ecosystem peer because it is a specialty-finance capital provider enabling HFP's commission-advance and book-acquisition business model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/healthcare-funding-partners-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Healthcare Funding Partners