Health Insurance

What Health Insurance does

HealthInsurance.com is a U.S.-based direct-to-consumer health insurance comparison marketplace operated by Health Insurance Associates, LLC, a Florida-domiciled LLC. The platform enables individuals, families, and Medicare beneficiaries to compare and enroll in Individual & Family Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and Point of Service (POS) plans, as well as Medicare Advantage (Part C), Medicare Part D prescription drug plans, and dental/vision add-ons sourced from 10+ carrier partners representing 18 products in any given market. The technology stack is a web-based comparison platform with a 3-step Plan Finder questionnaire, side-by-side plan comparison views, and a routing layer that connects consumers to 500+ U.S.-based licensed insurance agents via toll-free phone (800-664-3997 for Individual & Family, 888-312-5459 for Medicare), supplemented by TTY 711 accessibility support and Mon-Fri 9a-7p EST coverage.

The company operates an affiliate/referral revenue model: services to consumers are free with no obligation to enroll, and HealthInsurance.com earns commissions from insurance carriers when consumers enroll through the platform. Go-to-market is primarily direct-response, with paid and organic search driving consumers to the website where an embedded funnel converts them to toll-free phone consultations staffed by licensed agents; the company positions itself with no pushy sales tactics and free, no-obligation advice. Customer segments are split horizontally across two primary personas — Individual & Family buyers (including ACA marketplace enrollees facing expiring tax credits and rising premiums) and Medicare beneficiaries (turning 65 or qualifying due to disability) — both served through the same web/phone infrastructure.

The firm is private, with no disclosed external funding (no venture capital or private equity investment identified in source material), and has been in operation for over 16 years per company disclosures. Operational footprint spans five offices across Florida (Daytona Beach headquarters, Tampa, Lake Mary/Orlando, Port Orange call center) and Colorado (Denver). Leadership is held by Managing Director Dino Christoforakis and Managing Partners John Naimoli and Mark MacFawn, supported by a CXO team covering operations (Drew Brown, COO), technology (Brent LeBlanc, CTO), accounting (Chandra Clines, CAO), sales, digital marketing, print marketing, and human resources. The company reports having helped more than 13 million people find health insurance plans since inception, maintains CCPA-compliant privacy practices, and discloses no parent company, ownership changes, or secondary transactions in the source material.

Name

Health Insurance

Legal name

Health Insurance Associates, LLC

Website

https://healthinsurance.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

501–1,000 employees

Short description

HealthInsurance.com is a U.S.-based direct-to-consumer online health insurance comparison marketplace that connects individuals, families, and Medicare beneficiaries with 500+ licensed insurance agents and 10+ carrier partners offering 18 plans per market.

Ownership category

akta.pro rank

Product category

Health Insurance Marketplace & Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Health insurance marketplace
• Insurance comparison platform
• Medicare Advantage plans
• Individual family coverage
• Licensed insurance agents

Headquarters

HQ city

Mountain View

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Carrier Commissions: HealthInsurance.com represents insurance carriers and earns commissions when consumers enroll in plans through their platform. They represent 3 organizations offering 18 products in any given area.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

HealthInsurance.com is a direct-to-consumer health insurance comparison marketplace that helps individuals and families shop, compare, and enroll in Individual & Family health plans (HMO, PPO, EPO, POS) and Medicare Advantage plans (Part C and Part D). Consumers use a web-based Plan Finder tool to receive localized plan recommendations, then are routed to U.S.-based licensed insurance agents for free, no-obligation consultation and enrollment support. The company represents 10+ carrier partners offering 18 products in any given market area.

Product overview

HealthInsurance.com, operated by Health Insurance Associates LLC, is a health insurance comparison and enrollment platform. The platform enables consumers to compare and purchase Individual & Family Plans (including HMO, PPO, EPO, and POS plan types) and Medicare Advantage Plans (Part C with Part D prescription drug coverage). The company offers dental and vision plan add-ons and connects consumers with 500+ U.S.-based licensed insurance agents. The platform represents 10+ carrier partners and 18 products, providing free comparison services with no obligation to enroll.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual & Family Plans Health insurance policies purchased directly by individuals or families rather than through an employer or government program. Includes HMO, PPO, EPO, and POS plan types offering coverage flexibility, preventive care services, maternity, prescriptions, and financial protection against medical expenses.
• Medicare Advantage Plans Medicare Part C plans that combine Medicare Part A (hospital coverage) and Part B (medical coverage) with additional coverage options beyond Original Medicare, available to Medicare-eligible consumers.
• Medicare Part D Prescription Drug Plans Stand-alone Medicare Part D prescription drug coverage available to Medicare beneficiaries alongside or apart from Medicare Advantage plans.
• Dental Plans Dental coverage plans available to consumers through the Individual & Family Plan offerings on HealthInsurance.com.
• Vision Plans Vision coverage plans available to consumers through the Individual & Family Plan offerings on HealthInsurance.com.

Quantifiable outcome

• 13+ million people helped find health insurance plans
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Unnamed Carrier PartnerscoreOthersHealthInsurance.com represents 10+ insurance carrier partners offering products through their platform. They represent 3 organizations offering 18 products in any given area. The specific names of carrier partners are not publicly disclosed on their website.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• eHealth: eHealth (eHealthInsurance.com) is the largest publicly-traded U.S. health insurance marketplace, operating an almost identical model — comparing individual/family, Medicare, and ancillary plans across multiple carriers and earning enrollment commissions. Like HealthInsurance.com, it depends on a licensed agent overlay, organic search, and carrier commission economics.
• GoHealth: GoHealth is a leading Medicare-focused insurance marketplace operating a telephonic, licensed-agent-enabled distribution model on a commission basis. Its product scope and target consumer (Medicare-eligible) directly overlap the Medicare Advantage/Part D side of HealthInsurance.com's business.
• SelectQuote: SelectQuote operates a multi-line insurance comparison platform (life, health, Medicare, auto, home) with call-center-led licensed agent sales — a structurally identical operating model to HealthInsurance.com with adjacent product coverage.
• HealthMarkets: HealthMarkets is a national health insurance brokerage distributing individual, family, Medicare, and small-business plans through captive licensed agents on commission. It directly mirrors HealthInsurance.com's licensed-agent sales model and product breadth.
• SmartFinancial: SmartFinancial runs a digital insurance comparison marketplace across home, auto, and health, with health-focused consumer traffic funnelled to licensed agents in a commission-based model — directly comparable in go-to-market mechanics and consumer shopping behavior.
• MedicareInsurance.com: MedicareInsurance.com is the explicitly referenced sibling-domain on HealthInsurance.com's own Plan Finder tool. The two domains are operated by the same Health Insurance Associates, LLC group, share funnel mechanics, and target Medicare-eligible consumers.
• Insure.com: Insure.com is a multi-line insurance comparison and quote platform publishing carrier comparisons and educational content with commissions-driven distribution — overlapping with HealthInsurance.com's content marketing and consumer acquisition strategy.

Broad incumbents

• Healthcare.gov: Healthcare.gov is the official ACA individual marketplace operated by CMS — the free, government-run alternative that HealthInsurance.com itself directs consumers to. It defines the addressable market for HealthInsurance.com's individual & family business and sets the regulatory baseline.

Emerging players

• Policygenius: Policygenius operates a digital insurance comparison marketplace with primary focus on life and disability, while expanding into health and supplemental coverages. Its digital-first acquisition funnels and licensed-agent backup overlap structurally with HealthInsurance.com's hybrid self-serve + agent model.
• QuoteWizard (LendingTree): QuoteWizard, owned by LendingTree, is a comparison platform that aggregates consumer requests across insurance lines (with health among them) and monetizes via carrier referrals. Comparable on the aggregator/distribution mechanics even though its core categories skew toward auto/home.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/hlthinsurance
• LinkedInlinkedin.com/company/healthinsurance-com

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Health Insurance