INSXCloud
Lucie, Inc. (formerly INSXCloud) operates a CMS-approved EDE marketplace that lets individual consumers, insurance brokers, and employers shop, compare, and enroll in ACA medical and supplemental coverage, monetized via carrier commissions through its Trove Group affiliate.
- Company typePrivate
- Founded2011
- HeadquartersAkron, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What INSXCloud does
Lucie, Inc. (formerly INSXCloud, Inc.) operates a CMS-approved Enhanced Direct Enrollment (EDE) platform branded as the Lucie Health Marketplace, enabling consumers, insurance brokers, and employers to shop, compare, and enroll in ACA-compliant health insurance and supplemental coverage. The platform integrates multiple product modules including medical (ACA, short-term), dental, vision, accident, critical illness, and cancer insurance, supported by decision tools such as a subsidy calculator, federal poverty level calculator, and plan cost comparison utility. Underlying technology is the EDE-compliant enrollment infrastructure approved by CMS for direct ACA enrollment without redirection to HealthCare.gov, combined with a unified marketplace UI for cross-product shopping and personalized recommendations. The company also operates dedicated portals for brokers (all-in-one client enrollment tools) and employers (ICHRA — Individual Coverage Health Reimbursement Arrangements).
The business is structured as a multi-sided platform serving three customer segments: individual consumers seeking health and supplemental coverage, licensed insurance brokers managing client enrollments, and employers implementing ICHRA as an alternative to traditional group health plans. Lucie generates revenue through insurance carrier commissions received via its affiliate relationship with Trove Group, Inc. (fka IHC Specialty Benefits, Inc.), a licensed insurance agency headquartered in St. Louis Park, Minnesota that also holds California licensure as Trove Insurance Agency (CA Lic. # 0I32310). The platform is free to consumers and brokers, monetized entirely on a per-enrollment commission basis rather than subscription or transaction fees. The company is privately held, headquartered in Akron, Ohio with a workforce of 11-50 employees, and operates domestically across the United States with no disclosed geographic limitations.
INSXCloud firmographics
Firmographics- Name
- INSXCloud
- Legal name
- Lucie, Inc.
- Website
- https://insxcloud.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Lucie, Inc. (formerly INSXCloud) operates a CMS-approved EDE marketplace that lets individual consumers, insurance brokers, and employers shop, compare, and enroll in ACA medical and supplemental coverage, monetized via carrier commissions through its Trove Group affiliate.
- Ownership category
- akta.pro rank
INSXCloud industry classification
Industry- Product category
- Health Insurance Marketplace
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Prepackaged Software (7372)
- akta.pro primary industry
- ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA)
- akta.pro secondary industries
- Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where INSXCloud is headquartered
LocationHeadquarters
- HQ city
- Akron
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
INSXCloud business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales
Revenue model
- Insurance Carrier Commissions: Lucie acts as an affiliate of Trove Group, a licensed insurance agency. The company receives compensation from insurance carriers for plans sold through the platform. This is a standard commission-based model common in the health insurance marketplace space.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | No tiered pricing model disclosed |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels1 record
INSXCloud product offering
Product offeringCore offering
Lucie, Inc. (formerly INSXCloud, Inc.) operates a CMS-approved Enhanced Direct Enrollment (EDE) platform under the Lucie Health Marketplace brand that enables individuals, insurance brokers, and employers to shop, compare, and enroll in ACA-compliant health insurance and supplemental coverage from multiple carriers. As an affiliate of Trove Group, a licensed insurance agency, the company distributes third-party carrier plans through a unified marketplace that combines medical, dental, vision, short-term, accident, critical illness, and cancer insurance with personalized recommendations.
Product overview
Lucie Health Marketplace is a unified health insurance marketplace platform operated by Lucie, Inc. (formerly INSXCloud, Inc.). The platform operates as a CMS-approved EDE (Enhanced Direct Enrollment) platform enabling ACA-compliant enrollment. It serves three primary segments: individuals seeking health and supplemental coverage, insurance brokers using an all-in-one enrollment platform, and employers offering ICHRA (Individual Coverage Health Reimbursement Arrangements). The core platform integrates multiple product modules including health insurance, dental insurance, vision insurance, short-term health insurance, accident insurance, critical illness insurance, and cancer insurance. Supporting tools include a subsidy calculator, plan cost comparison, and FPL calculator to help users evaluate coverage options and financial assistance eligibility.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 87% of people qualify for subsidies (saving an average of $650/month)
Companies that use INSXCloud
Customer profileSegments3 records
Ideal customer profiles3 records
INSXCloud technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
INSXCloud partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Trove Group, Inc.coreTrove Group, Inc. (fka IHC Specialty Benefits, Inc.) is a licensed insurance agency and affiliate of Lucie. Trove Group is located at 5353 Wayzata Blvd, Suite 300, St. Louis Park, MN 55416. In California, does business as Trove Insurance Agency (CA Lic. # 0I32310). Trove Group NPN 16653635. This is a key affiliate relationship enabling insurance distribution capabilities.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
INSXCloud competitors and assessment
Company assessmentDirect peers
- eHealth: Public health insurance marketplace and EDE-licensed platform that helps individuals, families, and small businesses shop, compare, and enroll in ACA, Medicare, and supplemental plans — directly overlapping Lucie's consumer, broker, and employer-side offering.
- GoHealth: Public health insurance marketplace focused on Medicare and ACA plans with a large captive and partner broker network, competing for the same individual and broker-driven enrollment volume as Lucie.
- SelectQuote: Public insurance comparison platform spanning life, auto, home, and health (including ACA) coverage with a strong broker-driven call-center model, directly comparable to Lucie's multi-line supplemental plus medical approach.
- Healthcare.com: Private ACA marketplace and comparison platform operating as an EDE-approved enrollment partner, competing head-to-head with Lucie for individual subsidy-driven ACA shoppers and broker partnerships.
- Stride (Humana): ICHRA-focused benefits platform (acquired by Humana in 2023) enabling employers to offer individual coverage HRA arrangements — the closest direct competitor to Lucie's employer ICHRA channel.
- Take Command Health: ICHRA administration and small-group individual-coverage platform serving employers and employees with defined-contribution health benefits, directly competing for the same employer channel as Lucie.
Broad incumbents
- Gusto: Large SMB payroll and benefits platform expanding into health insurance and ICHRA administration. Competes with Lucie for employer-side health benefits decisions and has far greater scale and brand recognition.
- HealthCare.gov (CMS): The federal ACA marketplace run by CMS — the baseline alternative against which every EDE-licensed platform including Lucie competes for individual subsidy-driven enrollment.
Emerging players
- SimplyInsured: Digital broker focused on small-business and individual health insurance, including ICHRA administration, with overlapping target customers on the employer and individual side of Lucie's funnel.
- Venteur: ICHRA-focused startup offering individual health coverage to employers as an alternative to traditional group plans — a smaller, venture-backed competitor pursuing the same employer opportunity as Lucie's ICHRA channel.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
INSXCloud compliance and trust
Trust signalCompliance1 record
INSXCloud financial estimates
Financial estimateRevenue estimate
Valuation estimate
INSXCloud leadership team
Management profileNumber of profiles
INSXCloud funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
INSXCloud M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about INSXCloud
What does INSXCloud do?
Lucie, Inc. (formerly INSXCloud, Inc.) operates a CMS-approved Enhanced Direct Enrollment (EDE) platform under the Lucie Health Marketplace brand that enables individuals, insurance brokers, and employers to shop, compare, and enroll in ACA-compliant health insurance and supplemental coverage from multiple carriers. As an affiliate of Trove Group, a licensed insurance agency, the company distributes third-party carrier plans through a unified marketplace that combines medical, dental, vision, short-term, accident, critical illness, and cancer insurance with personalized recommendations.
Is INSXCloud a public or private company?
INSXCloud is a private company. It is classified as corporate owned and is currently operating.
When was INSXCloud founded?
INSXCloud was founded in 2011. It employs 11 to 50 people.
Where is INSXCloud based?
INSXCloud is headquartered in Akron, United States, in the North America region.
How does INSXCloud make money?
One revenue line is on record: insurance Carrier Commissions.
Who are INSXCloud's main competitors?
Direct peers on record are eHealth, GoHealth, SelectQuote, Healthcare.com, Stride (Humana) and Take Command Health. Broad incumbents are Gusto and HealthCare.gov (CMS). Emerging players are SimplyInsured and Venteur.
Does INSXCloud have an API?
No public API is recorded for INSXCloud.
What industry is INSXCloud in?
INSXCloud's product category is Health Insurance Marketplace. Its primary akta.pro industry code is FSAIAEAA, ACA Marketplace (On-Exchange) Individual Plans, with a secondary code of FSAGAGAA, Digital Distribution & Comparison Platforms (Aggregators/Marketplaces). Its NAICS code is 52421 and its SIC code is 6411.