Pivot Health.com

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.

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

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

• Individual health insurance
• Short-term medical plans
• Supplemental insurance products
• Dental and vision insurance
• ACA marketplace plans

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers5 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

19 partnerships are on record, tiered core, major and minor.

• Healthcare.comcoreStrategic or Co-development PartnerPivot 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 SolutionscoreTechnology or IntegrationAllstate 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)coreTechnology or IntegrationRenaissance 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 CarecoreTechnology or IntegrationVSP 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.
• AmeritasmajorChannel Partner/ Reseller/ DistributorAmeritas 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.
• FlexBenefitsmajorChannel Partner/ Reseller/ DistributorFlexBenefits 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.
• AflacmajorChannel Partner/ Reseller/ DistributorAflac 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 NationalmajorChannel Partner/ Reseller/ DistributorAllied 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 InsuranceminorChannel Partner/ Reseller/ DistributorInternational Medical Group (IMG) provides travel insurance products offered through Pivot Health for consumers needing international health coverage.
• Prudent Pet InsuranceminorChannel Partner/ Reseller/ DistributorPrudent Pet Insurance is offered as an additional product through Pivot Health, providing pet insurance coverage for Pivot Health customers.
• RetirableminorChannel Partner/ Reseller/ DistributorRetirable provides retirement services offered through Pivot Health for customers seeking retirement planning and related services.
• PRIME Corporate ServicesminorStrategic or Co-development PartnerPRIME 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.
• HealthSherpaminorChannel Partner/ Reseller/ DistributorHealthSherpa is a partner facilitating ACA marketplace plan enrollment, helping Pivot Health customers determine if ACA coverage is appropriate for their situation.
• Insurance Carriers (Multiple)coreChannel Partner/ Reseller/ DistributorPivot Health partners with top-rated insurance companies to develop custom insurance products and expand distribution through digital and agent channels.
• Insurance AgenciesmajorChannel Partner/ Reseller/ DistributorLicensed 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 PartnersmajorTechnology or IntegrationHealthcare partners providing value-added services including healthcare navigation, bill negotiation, and telemedicine benefits embedded in Pivot Health plans.
• Web BrokersmajorChannel Partner/ Reseller/ DistributorWeb brokers facilitate eCommerce through various platforms, working with modern APIs built on a digitally-native insurtech backbone for full integration into eCommerce flows.
• Referral PartnersminorChannel Partner/ Reseller/ DistributorCompanies offering additional products that complement health insurance plans, providing consumer referrals to Pivot Health.
• Marketplace PartnersminorChannel Partner/ Reseller/ DistributorMarketplace 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

Broad 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

• Facebookfacebook.com/pivothealthinsurance
• LinkedInlinkedin.com/company/pivothealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Pivot Health.com