Healthcare Solutions Team

What Healthcare Solutions Team does

Healthcare Solutions Team (HST) is a US-based insurance brokerage and agent network operating as a wholly-owned subsidiary of National General Insurance Group, itself owned by Allstate (acquired July 2020). Founded around 2010 and headquartered in Winston Salem, North Carolina, HST connects individuals, families, seniors, and small-to-medium businesses (2–499 employees) with health, dental, life and critical illness, Medicare/supplemental, and group insurance products. The company distributes through a nationwide network of 2,300+ independent insurance agents, offering 500+ plan variations from 50+ carriers (1,000+ variations for group plans) and reports having served 1.1M+ clients cumulatively.

The underlying technology is a relatively conventional brokerage platform: a marketing website (myhst.com) with quote capture forms, an agent locator tool, and a content/news blog that drives inbound leads for agent follow-up. There is no disclosed proprietary technology stack, no API surface, no mobile app, and no AI/ML capability — the operating model is explicitly relationship-led and positioned against industry automation. The "human touch" philosophy is the company's stated differentiator.

HST earns revenue through commissions from insurance carriers on policies sold and renewed. First-year and renewal commissions flow from carrier partners including Humana, United Healthcare, Aetna, Blue Cross Blue Shield, Mutual of Omaha, and Manhattan Life. Customer segments span individuals, families, Medicare beneficiaries, and SMB group plans. Customer acquisition is sales-led via the agent network, supplemented by direct-to-consumer digital channels. The company's growth is driven by agent recruitment, product line extension, and cross-sell across the five insurance verticals rather than by technology differentiation or external funding.

Name

Healthcare Solutions Team

Legal name

Healthcare Solutions Team, LLC

Website

https://myhst.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Healthcare Solutions Team is a US insurance brokerage operating a nationwide network of 2,300+ independent agents that distributes health, dental, life, Medicare, and group insurance from 50+ carriers to individuals, families, seniors, and SMBs. It is a wholly-owned subsidiary of National General Insurance Group under Allstate.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Health insurance brokerage
• Life insurance agency
• Medicare supplements
• Group employee benefits
• Dental insurance plans

Headquarters

HQ city

Lombard

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: HST operates as an insurance brokerage earning commissions from insurance carriers for policies sold. Agents match customers with appropriate coverage from multiple carrier partners including Humana, Aetna, Blue Cross, United Healthcare, Mutual of Omaha, and Manhattan Life. Revenue generated through first-year commissions and renewal commissions on ongoing policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Healthcare Solutions Team is an insurance brokerage that connects individuals, families, seniors, and small-to-medium businesses with health, dental, life, Medicare supplemental, and group insurance plans from 50+ carriers. The company operates through a nationwide network of 2,300+ independent licensed agents who provide personalized consultation and match customers with appropriate coverage options. Distribution is driven by a website with quote request forms and an agent locator tool that routes leads to local agents.

Product overview

Healthcare Solutions Team operates as an insurance brokerage network offering a unified portfolio of five core insurance products: Individual/Family Health Insurance, Dental Insurance, Life & Critical Illness Insurance, Medicare/Senior Products, and Group Plans for businesses. The company connects customers with over 50 insurance carriers offering more than 500 plan variations. All products are delivered through a network of 2,300+ licensed insurance agents who provide personalized consultation and guidance, rather than through a self-service technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual/Family Health Insurance Health insurance coverage options for individuals and families, including Major Medical-ACA Compliant, Short Term, Fixed Benefit, and Guaranteed Issue plans. HST agents assist customers in selecting affordable coverage from top national providers.
• Dental Insurance Dental insurance plans including traditional PPO Dental plans with co-pays and coinsurance, as well as Fixed Indemnity plans with no restrictions on providers. No waiting period for basic and preventative services.
• Life & Critical Illness Insurance Life insurance products including Term Life, Universal & Indexed Universal Life, Whole Life, Single Premium Life, Simplified Issue, and Final Expense-Burial Insurance. Critical illness coverage is also offered.
• Medicare/Senior Products Supplemental health insurance for seniors to address coverage gaps and healthcare costs not covered by Medicare. Includes critical illness and accident supplemental coverage.
• Group Plans Employee benefit packages for businesses with 2-499 employees, offering comprehensive packages with HMO, PPO, and hybrid POS plan options. Provides more than 1,000 plan variations from over 50 top carriers.

Quantifiable outcome

• 1.1M+ happy clients served
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core, supporting, parent company and ultimate parent company.

• HumanacoreOthersMajor health insurance carrier partner offering Medicare Advantage, employer health plans, and supplemental coverage. HST agents sell Humana products as part of their carrier portfolio.
• United HealthcarecoreOthersNational health insurance carrier providing comprehensive health benefits. HST agents offer United Healthcare plans as part of their insurance portfolio.
• AetnacoreOthersMajor health insurance carrier offering individual, employer, and Medicare plans. Partnered with HST to provide coverage options through agent sales channel.
• Blue Cross Blue ShieldcoreOthersLarge national health insurance carrier offering comprehensive coverage through regional affiliates. HST offers Blue Cross plans to customers seeking broad network access.
• Mutual of OmahacoreOthersInsurance carrier offering health, Medicare supplement, and life insurance products. HST agents provide Mutual of Omaha products to customers needing these coverage types.
• Manhattan LifesupportingOthersLife insurance and supplemental health insurance carrier. HST offers Manhattan Life products to customers seeking these specific coverage options.
• National General Insurance Groupparent companyOthersParent company of Healthcare Solutions Team. National General Insurance Group is a subsidiary of Allstate Insurance Company.
• Allstate Insurance Companyultimate parent companyOthersUltimate parent company of Healthcare Solutions Team through National General Insurance Group subsidiary. Allstate acquired National General Holdings Corp. in 2021.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• GoHealth: GoHealth is a leading Medicare-focused health insurance marketplace and brokerage operating through licensed agents. Comparable to HST's Medicare distribution model and agent-led approach, though GoHealth is more concentrated in Medicare Advantage while HST spans multiple product lines.
• SelectQuote: SelectQuote is a direct-to-consumer insurance brokerage selling life, health, auto, and home products through call-center agents. Highly comparable to HST's agent-driven, multi-carrier distribution model, particularly in senior and life insurance segments.
• eHealth: eHealth is one of the largest online health insurance marketplaces, connecting consumers with carriers across Medicare, ACA, and ancillary products. Comparable to HST as a multi-carrier health insurance distributor, though with a more digital-first (vs. agent-led) GTM.
• Policygenius: Policygenius (a Zillow-owned brand) is an online insurance marketplace focused on life, disability, and home/renters insurance. Comparable to HST as a multi-carrier distributor targeting consumers seeking simplified comparison and expert guidance.
• HealthMarkets: HealthMarkets is an independent insurance brokerage operating a large national agent network distributing health, Medicare, life, and supplemental products from multiple carriers. Closely comparable to HST in agent-led, multi-carrier health and Medicare distribution.
• SmartFinancial Insurance: SmartFinancial is an online insurance comparison platform and agency distributing auto, home, health, and life products through digital and agent channels. Comparable to HST in offering multi-line, multi-carrier insurance distribution to individuals and families.
• SIAA (Strategic Insurance Agency Alliance): SIAA is a national alliance of independent insurance agencies offering commercial and personal lines products from multiple carriers. Comparable to HST's agent-network structure and multi-carrier distribution model, though more focused on P&C than health.
• Benefytt Technologies: Benefytt is a technology-driven insurance distribution platform focused on health, Medicare, and supplemental products sold via direct-to-consumer digital channels. Comparable to HST in product mix and customer demographic, with a more digital sales motion.

Broad incumbents

• National General Insurance Group: National General is HST's parent company and a multi-line personal insurance carrier within Allstate. Overlaps with HST through health and ancillary products, but operates as a carrier rather than a brokerage and serves a broader personal lines portfolio.
• Allstate Insurance Group: Allstate is HST's ultimate parent and one of the largest U.S. personal insurance carriers. Overlaps with HST in the broader insurance distribution space, though Allstate operates as a carrier and its own direct salesforce, not an independent agent brokerage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hsthealth

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Healthcare Solutions Team