Pivot Health.com
Pivot Health is a Scottsdale-based, Healthcare.com-owned digital insurance marketplace that distributes proprietary and partner-branded individual health, supplemental, dental, and vision plans online and through 18,000+ licensed agents to U.S. consumers in life-transition coverage situations.
- Company typePrivate
- Founded2016
- HeadquartersScottsdale, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Pivot Health.com does
Pivot Health is a U.S. digital insurance marketplace and licensed broker, operating as a wholly-owned subsidiary of HealthCare, Inc. (the parent of Healthcare.com). Founded in 2016 and headquartered in Scottsdale, Arizona, the company develops and distributes proprietary and third-party individual health insurance products — short-term medical, ACA marketplace plans, fixed indemnity, supplemental insurance (accident, critical illness, hospital indemnity, cancer), dental and vision, healthcare sharing ministries, and minimum essential coverage — alongside ancillary offerings such as travel, pet, and retirement products sourced from partners including Aflac, Allstate Health Solutions, Ameritas, Renaissance/VSP, IMG, HealthSherpa, FlexBenefits, Allied National, and Lyric Telemedicine. The underlying platform combines a direct-to-consumer online enrollment experience with agent-assisted phone sales and a network of 18,000+ licensed independent insurance agents and brokers, supported by quoting tools, an agent portal, and modern APIs for web-broker integration.
Revenue is generated primarily through commissions and broker fees on insurance product sales, with quote-based, monthly subscription pricing across product lines; pricing varies by state, age, and coverage type and is not publicly disclosed. The customer base is entirely individual / household-level, segmented around life transitions — uninsured individuals, those between jobs, gig and part-time workers, graduating young adults, early retirees under 65, and COBRA-eligible consumers — with no enterprise or group-customer concentration. Operationally, Pivot Health leans on its parent for brand, technology, and back-office infrastructure, and reports a 4.6/5 member satisfaction rating and approximately 100,000 monthly website visits as its primary scale metrics.
Pivot Health.com firmographics
Firmographics- Name
- Pivot Health.com
- Legal name
- PivotHealth Holdings, LLC
- Website
- https://pivothealth.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Pivot Health is a Scottsdale-based, Healthcare.com-owned digital insurance marketplace that distributes proprietary and partner-branded individual health, supplemental, dental, and vision plans online and through 18,000+ licensed agents to U.S. consumers in life-transition coverage situations.
- Ownership category
- akta.pro rank
Pivot Health.com industry classification
Industry- Product category
- Individual Health Insurance
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
- akta.pro secondary industries
- ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA), Individual & Family Vision Plans (Exchange/Off-Exchange) (HLAEABAF)
Keywords
Where Pivot Health.com is headquartered
LocationHeadquarters
- HQ city
- Scottsdale
- HQ country
- United States
- HQ region
- North America
Markets served
Pivot Health.com business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Marketing or Sales, Personnel, Technology or R&D, Operations
Revenue model
- Insurance Product Sales: Pivot Health generates revenue by developing and marketing proprietary health insurance and supplemental insurance products under the Pivot Health brand. The company also earns commissions for clicks, calls, and insurance applications generated through their platform, as they serve as a licensed broker under PivotHealth Holdings, LLC.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Short-Term Medical Plans - Temporary health coverage with flexible durations |
| Subscription | Monthly | Dental and Vision Plans - Comprehensive oral and visual health coverage |
| Subscription | Monthly | Supplemental Insurance - Accident, Critical Illness, Hospital Indemnity, Cancer |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Pivot Health.com product offering
Product offeringCore offering
Pivot Health develops and markets proprietary and partner-distributed individual health insurance products — including short-term medical, ACA marketplace, fixed indemnity, supplemental, and dental/vision plans — to U.S. consumers through a direct-to-consumer digital platform and a nationwide network of more than 18,000 licensed insurance agents and brokers. The company operates as a licensed insurance broker under PivotHealth Holdings, LLC and designs coverage targeted at life-stage transitions such as job changes, aging off parental plans, early retirement, and gig work.
Product overview
Pivot Health is an insurance marketing company and healthcare services provider offering a diversified portfolio of proprietary and non-proprietary health insurance products. The core offerings include Short-Term Medical plans (1 month to 1 year duration with telemedicine and prescription benefits), ACA marketplace plans, Fixed Indemnity coverage with first-dollar benefits and no network restrictions, Supplemental Insurance (accident, critical illness, hospital indemnity, cancer), and Dental/Vision plans through partnerships with Renaissance (Brilliant Dental), VSP Vision Care, and Ameritas. Additional products include Healthcare Sharing Ministry programs, Minimum Essential Coverage, travel insurance (IMG), pet insurance (Prudent Pet), retirement services (Retirable), and supplemental plans from FlexBenefits, Allstate Health Solutions, and Aflac. The company positions itself as a one-stop-shop offering flexible coverage options for individuals at various life stages, from college students to early retirees.
Differentiator
Problem solved
Functional benefit
Products and services
- Short-Term Medical Insurance Temporary health insurance coverage ranging from 1 month to 1 year, with free unlimited telemedicine, prescription drug benefits, preventive care, and nationwide provider access through national PPO networks. Designed for individuals between jobs, in employer waiting periods, early retirees, college-age adults, part-time/gig workers, and the uninsured.
- ACA Marketplace Plans Affordable Care Act marketplace health insurance plans offering comprehensive coverage with the 10 essential health benefits, including outpatient care, emergency services, prescription drugs, and maternity care. Sold to individuals and families who qualify for ACA coverage, with partner-facilitated enrollment.
- Fixed Indemnity Insurance Fixed-benefit medical insurance that pays predetermined amounts for covered medical services, without deductibles or network restrictions, providing first-dollar benefits for unexpected emergencies. Positioned for consumers seeking predictable cash payments for medical events.
- Supplemental Insurance Cash-benefit insurance products including accident insurance, critical illness insurance, hospital indemnity insurance, and cancer insurance that pay benefits directly to policyholders to cover out-of-pocket costs not paid by primary health plans. Includes lump-sum benefits for critical illness diagnoses and weekly income benefits for accident disability.
- Dental and Vision Insurance Dental and vision insurance plans including the Brilliant Dental sub-brand with access to more than 300,000 Renaissance PPO network providers, routine cleanings paid at 100%, no waiting periods on select plans, and annual maximums up to $3,000 on some plans. Vision coverage delivered via the VSP Choice Network with 98,000+ doctors.
- Healthcare Sharing Ministry Plans Faith-based healthcare cost sharing programs offering an alternative to traditional insurance for individuals and families seeking non-insurance arrangements for medical expense sharing.
- Minimum Essential Coverage (MEC) Health coverage meeting Affordable Care Act minimum essential coverage requirements, providing basic affordable coverage for individuals who need ACA-compliant benefits.
- Allstate Health Solutions Supplemental Plans Allstate Health Solutions supplemental plans including accident insurance, Cancer/Heart & Stroke plans, and Health Access fixed-benefit insurance products, marketed through Pivot Health under a partnership with Allstate Health Solutions.
- Aflac Supplemental Plans Aflac supplemental insurance including accident insurance, critical illness insurance with cash benefits increasing $500 per year up to 10 years, and cancer insurance covering screening, hospitalization, and treatment costs.
- Ameritas PrimeStar Dental and Vision Individual dental plans with three design options, Ameritas Classic PPO network access, VSP and Eyemed vision networks, increasing annual maximums in Year 2, and coverage for implants and orthodontia.
- FlexBenefits Supplemental Insurance Supplemental insurance package offering accident disability income benefits, critical illness coverage, hospital indemnity, and virtual care services that can be customized with ACA, Medicare, and Small Group plans.
- IMG Travel Insurance Travel medical insurance providing coverage for medical emergencies and healthcare needs while traveling internationally, distributed through Pivot Health via partnership with International Medical Group (IMG).
- Prudent Pet Insurance Pet insurance coverage available through Pivot Health for individuals seeking to insure their pets' health, distributed via partnership with Prudent Pet Insurance.
- Retirable Retirement Services Retirement planning and financial services offered to Pivot Health customers through a partnership with Retirable.
Quantifiable outcome
- 100,000 monthly website visits seeking healthcare guidance
- +2 more outcomes
Companies that use Pivot Health.com
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles2 records
Pivot Health.com technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Pivot Health.com partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core, major and minor.
- Healthcare.comcorePivot Health is a wholly-owned subsidiary of HealthCare, Inc. (Healthcare.com), operating as part of a family of companies that includes Summit Pharmacy/Trust RX, Healthcare Store, HealthCare.com, and HealthCare.com Insurance Services. The parent company provides brand, technology, and operational infrastructure support.
- Allstate Health SolutionscoreAllstate Health Solutions is a marketing partner for short-term medical products underwritten by National Health Insurance Company, Integon National Insurance Company, and American Heritage Life Insurance Company. Provides proprietary short-term medical plans with national networks.
- Renaissance (Dental PPO Network)coreRenaissance provides dental PPO network access with 300,000+ network points nationwide for Pivot Health's Brilliant Dental products, offering savings for members who visit in-network providers.
- VSP Vision CarecoreVSP Vision Care powers Renaissance Vision for Pivot Health's vision coverage, providing access to 98,000+ VSP Choice Network doctors for eye exams, glasses, and contacts.
- AmeritasmajorAmeritas offers PrimeStar dental and vision plans through Pivot Health's platform, featuring no enrollment fees, no waiting periods on most services, and access to VSP and Eyemed vision networks.
- FlexBenefitsmajorFlexBenefits provides supplemental insurance products including accident, critical illness, and hospital indemnity coverage. Plans can be customized and integrated with ACA, Medicare, and Small Group plans.
- AflacmajorAflac supplemental insurance products offered through Pivot Health include accident insurance, critical illness insurance, and cancer insurance to help cover out-of-pocket costs not paid by health insurance.
- Allied NationalmajorAllied National is a partner distributing Pivot Health products through their agent system. Allied National's representative Bill Ashley stated Pivot Health is their largest source of individual health products.
- IMG Travel InsuranceminorInternational Medical Group (IMG) provides travel insurance products offered through Pivot Health for consumers needing international health coverage.
- Prudent Pet InsuranceminorPrudent Pet Insurance is offered as an additional product through Pivot Health, providing pet insurance coverage for Pivot Health customers.
- RetirableminorRetirable provides retirement services offered through Pivot Health for customers seeking retirement planning and related services.
- PRIME Corporate ServicesminorPRIME Corporate Services offers business solutions to contracted Pivot Health agent partners, including entity structure establishment, tax deduction maximization, business credit establishment, and estate planning services.
- HealthSherpaminorHealthSherpa is a partner facilitating ACA marketplace plan enrollment, helping Pivot Health customers determine if ACA coverage is appropriate for their situation.
- Insurance Carriers (Multiple)corePivot Health partners with top-rated insurance companies to develop custom insurance products and expand distribution through digital and agent channels.
- Insurance AgenciesmajorLicensed insurance agencies partner with Pivot Health to access proprietary and non-proprietary products with advantages including onboarding, training, modern quoting platform, and API integration.
- Solution PartnersmajorHealthcare partners providing value-added services including healthcare navigation, bill negotiation, and telemedicine benefits embedded in Pivot Health plans.
- Web BrokersmajorWeb brokers facilitate eCommerce through various platforms, working with modern APIs built on a digitally-native insurtech backbone for full integration into eCommerce flows.
- Referral PartnersminorCompanies offering additional products that complement health insurance plans, providing consumer referrals to Pivot Health.
- Marketplace PartnersminorMarketplace partners offer curated ACA and other insurance products and services meeting diverse customer needs through Pivot Health's platform.
Scale indicators5 records
Recent moves1 record
Expansion highlights5 records
Pivot Health.com competitors and assessment
Company assessmentBroad incumbents
- Benefitter (now part of New York Life): Technology-driven individual and small-group health insurance distribution platform, historically focused on employer transitions and individual market; comparable in individual/small-group distribution tech stack.
- Healthcare.com: Parent consumer brand of Pivot Health; broader health insurance and healthcare services marketplace operating across multiple product lines and serving as the upstream consumer-acquisition funnel for Pivot Health.
Direct peers
- eHealth: Publicly traded online health insurance marketplace offering individual, family, Medicare, and ancillary plans through both direct-to-consumer and agent channels; the closest direct comparable to Pivot Health's hybrid model and product mix.
- HealthMarkets: Large national insurance agency distributing individual, family, Medicare, and supplemental health products through a network of licensed agents; the most structurally similar U.S. agent-based individual health distributor.
- GoHealth: Medicare-focused health insurance marketplace that also sells ACA, short-term, and ancillary plans via digital and agent channels; directly comparable distribution model in the individual market.
- AgileHealthInsurance: Specialty online broker focused on short-term medical and supplemental health insurance; overlaps directly with Pivot Health's core STM and ancillary product positioning.
- SelectQuote: Direct-to-consumer and agent-driven distributor of term life, final-expense, and senior health products (including Medicare); competes with Pivot Health in supplemental and senior-adjacent individual health distribution.
- HealthSherpa: Web-broker partner for ACA marketplace enrollment and adjacent individual health products; competes with Pivot Health in the ACA and short-term/ancillary cross-sell funnel.
Emerging players
- Decent: Tech-enabled health plan for self-employed individuals, freelancers, and small businesses offering ACA and non-ACA plans; an emerging peer in the same individual/freelancer segment Pivot Health targets.
- Stride Health: Digital-first health insurance marketplace focused on gig workers, part-time employees, and self-employed individuals, mirroring Pivot Health's core 'between jobs' and gig-economy personas.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Pivot Health.com social profiles
Digital presencePivot Health.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pivot Health.com leadership team
Management profileNumber of profiles
Profiles4 records
Pivot Health.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pivot Health.com 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 Pivot Health.com
What does Pivot Health.com do?
Pivot Health develops and markets proprietary and partner-distributed individual health insurance products — including short-term medical, ACA marketplace, fixed indemnity, supplemental, and dental/vision plans — to U.S. consumers through a direct-to-consumer digital platform and a nationwide network of more than 18,000 licensed insurance agents and brokers. The company operates as a licensed insurance broker under PivotHealth Holdings, LLC and designs coverage targeted at life-stage transitions such as job changes, aging off parental plans, early retirement, and gig work.
Is Pivot Health.com a public or private company?
Pivot Health.com is a private company. It is classified as corporate owned and is currently operating.
When was Pivot Health.com founded?
Pivot Health.com was founded in 2016. It employs 11 to 50 people.
Where is Pivot Health.com based?
Pivot Health.com is headquartered in Scottsdale, United States, in the North America region.
How does Pivot Health.com make money?
One revenue line is on record: insurance Product Sales.
Who are Pivot Health.com's main competitors?
Broad incumbents on record are Benefitter (now part of New York Life) and Healthcare.com. Direct peers are eHealth, HealthMarkets, GoHealth, AgileHealthInsurance, SelectQuote and HealthSherpa. Emerging players are Decent and Stride Health.
Does Pivot Health.com have an API?
No public API is recorded for Pivot Health.com.
What industry is Pivot Health.com in?
Pivot Health.com's product category is Individual Health Insurance. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution, with a secondary code of FSAIAEAA, ACA Marketplace (On-Exchange) Individual Plans. Its NAICS code is 52421 and its SIC code is 6411.