1945 Insurance Group
1945 Insurance Group is an independent Medicare Advantage brokerage in Timonium, Maryland, founded in 2021. It enrolls seniors 65+ and Medicare-eligible disabled and ESRD beneficiaries into zero- to low-cost Medicare Advantage plans from 8-10 A-rated national carriers via phone-based licensed agents.
- Company typePrivate
- Founded2021
- HeadquartersLutherville Timonium, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What 1945 Insurance Group does
1945 Insurance Group is an independent insurance brokerage headquartered at 375 W. Padonia Rd., Suite 210, Timonium, Maryland. Founded in 2021, the firm is licensed to sell Medicare Advantage (Part C) and Medicare Part D prescription drug plans to Medicare-eligible beneficiaries, with a primary focus on seniors aged 65 and older and a secondary focus on younger individuals with qualifying disabilities and people with End-Stage Renal Disease. The company operates as a multi-carrier broker rather than a captive agent, holding distribution relationships with 8 to 10 nationally recognized, A-rated Medicare-funded insurance carriers including Blue Cross Blue Shield, Humana, UnitedHealthCare, Aetna, Wellcare, Cigna, SilverScript, Care Health Insurance, Ascension, Anthem, and All Well. Its name references 1945, the year Medicare was created.
The core product offering is Medicare Advantage plan enrollment with zero to low premiums (ranging from $0 to $300 per year), bundling Part A hospital and Part B medical coverage with supplemental benefits such as dental, vision, hearing, prescription drug coverage, over-the-counter allowances, and transportation to medical appointments. Plans and eligibility vary by state of residence and carrier, which the brokerage uses as the central rationale for its advisory service. There is no proprietary technology platform; the firm does not maintain a mobile app, public API, or self-service enrollment system. All enrollments are completed over the phone via verbal contracts sourced from carrier networks.
The business model is commission-based. 1945 Insurance Group earns revenue from carriers (Blue Cross Blue Shield, Humana, UnitedHealthCare, Aetna, Wellcare, Cigna, and others) for each successfully enrolled beneficiary, with retention and renewal commissions layering on top of initial-year payouts. Distribution is direct-to-consumer: prospects discover the firm through its website, organic search, and direct phone calls to 877-321-7427, then speak with licensed insurance agents who perform needs analysis and guide enrollment. Marketing channels are dominated by content marketing (FAQ, testimonials, educational Medicare pages) and SEO-optimized landing pages. The company is founder/management-owned, with Steven Reech serving as Founder, CEO, and President; no parent company, private equity sponsorship, or institutional investors are disclosed.
1945 Insurance Group firmographics
Firmographics- Name
- 1945 Insurance Group
- Legal name
- The 1945 Insurance Group Inc
- Website
- https://1945insurancegroup.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- 1945 Insurance Group is an independent Medicare Advantage brokerage in Timonium, Maryland, founded in 2021. It enrolls seniors 65+ and Medicare-eligible disabled and ESRD beneficiaries into zero- to low-cost Medicare Advantage plans from 8-10 A-rated national carriers via phone-based licensed agents.
- Ownership category
- akta.pro rank
1945 Insurance Group industry classification
Industry- Product category
- Medicare Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)
- akta.pro secondary industries
- Medicare Advantage (MA) Plans (FSAIAGAA), MA-PD Plans (Medicare Advantage with Prescription Drug Coverage) (FSAIAGAG), Medicare Part D Prescription Drug Plans (PDP) (FSAIAGAC)
Keywords
Where 1945 Insurance Group is headquartered
LocationHeadquarters
- HQ city
- Lutherville Timonium
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
1945 Insurance Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Others, Technology or R&D
Revenue model
- Insurance Commission Revenue: 1945 Insurance Group generates revenue through commissions paid by Medicare Advantage insurance carriers (e.g., Blue Cross Blue Shield, Humana, UnitedHealthCare, Aetna, Wellcare, Cigna) when they successfully enroll beneficiaries in Medicare Advantage plans. Agents complete enrollments over the phone through carrier-sourced verbal contracts. The company operates as an independent agency within a network of nationally recognized, A-rated Medicare-funded insurance carriers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Zero-premium Medicare Advantage plans ($0 yearly premium) |
| Subscription | Annual | Premium Medicare Advantage plans (up to $300/year) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
1945 Insurance Group product offering
Product offeringCore offering
1945 Insurance Group is an independent insurance agency that helps Medicare-eligible beneficiaries (seniors 65+, certain younger people with disabilities, and individuals with End-Stage Renal Disease) compare and enroll in Medicare Advantage (Part C) and Medicare Part D prescription drug plans offered through its network of nationally recognized, A-rated Medicare carriers. Licensed agents perform a needs analysis and complete enrollment over the phone via verbal contracts sourced from carrier partners such as Blue Cross Blue Shield, Humana, UnitedHealthCare, Aetna, Wellcare, and Cigna. The agency is compensated through commissions paid by the carriers and does not charge consumers directly for its services.
Product overview
1945 Insurance Group is an independent Medicare insurance brokerage that offers Medicare-funded insurance products to Medicare-eligible beneficiaries (seniors 65+, younger people with disabilities, and those with End-Stage Renal Disease). The core offering consists of Medicare Advantage Plans (Part C), which bundle hospital insurance (Part A), medical insurance (Part B), and typically include Part D prescription drug coverage along with supplemental benefits. Their primary service is guiding clients through enrollment in zero to low-cost Medicare Advantage plans offered through their network of carrier partners including Blue Cross Blue Shield, Humana, UnitedHealthCare, Aetna, Wellcare, and Cigna.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Advantage Plans (Part C) Private insurance plans providing Part A (hospital) and Part B (medical) coverage with supplemental benefits including dental, vision, hearing, prescription drug coverage, OTC allowances, and transportation to medical appointments. Plans are offered at zero to low premiums starting at $0 yearly premium, for Medicare-eligible seniors 65+, certain younger people with disabilities, and individuals with End-Stage Renal Disease.
- Medicare Part D Prescription Drug Coverage Prescription drug coverage that helps cover the cost of prescription medications, including recommended shots or vaccines, offered as part of Medicare Advantage plans and through dedicated Part D carriers such as SilverScript (a CVS Health company).
Quantifiable outcome
- Seniors can save thousands of dollars on medical bills with the right Medicare Advantage plan
- +1 more outcomes
Companies that use 1945 Insurance Group
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
1945 Insurance Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
1945 Insurance Group partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Blue Cross Blue ShieldcoreBlue Cross Blue Shield is one of the nationally recognized, A-rated Medicare-funded insurance carriers in 1945 Insurance Group's carrier network. The company resells Blue Cross Blue Shield Medicare Advantage plans to eligible beneficiaries.
- HumanacoreHumana is a major Medicare Advantage carrier in the company's network. 1945 Insurance Group offers Humana's Medicare Advantage plans to clients as part of its product portfolio.
- UnitedHealthCarecoreUnitedHealthCare is a nationally recognized carrier in the company's network, offering Medicare Advantage plans that 1945 Insurance Group resells to eligible seniors.
- AetnacoreAetna is a top Medicare carrier in the company's network, providing Medicare Advantage plans offered to clients through 1945 Insurance Group.
- WellcarecoreWellcare is among the top Medicare-funded insurance carriers partnered with 1945 Insurance Group for Medicare Advantage plan distribution.
- CignacoreCigna is a nationally recognized insurance carrier in the company's network of Medicare-funded insurance providers, with Medicare Advantage plans offered through 1945 Insurance Group.
- SilverScriptminorSilverScript (a CVS Health company) is a Medicare Part D prescription drug plan carrier partnered with 1945 Insurance Group to offer prescription drug coverage options.
- Care Health InsuranceminorCare Health Insurance is one of the insurance carriers with a logo displayed on the providers page, indicating a partnership for Medicare Advantage plan offerings.
- AnthemminorAnthem is a Medicare carrier featured on the providers page, indicating a commercial relationship for Medicare Advantage plan distribution.
- AscensionminorAscension is listed among insurance carriers on the providers page, indicating a partnership for offering Medicare Advantage products.
- All WellminorAll Well is an insurance carrier represented on the providers page, indicating a distribution partnership for Medicare Advantage plans.
Scale indicators1 record
Recent moves3 records
Expansion highlights4 records
1945 Insurance Group competitors and assessment
Company assessmentDirect peers
- GoHealth: GoHealth is a leading independent health insurance marketplace and brokerage focused on Medicare products including Medicare Advantage and Medicare Supplement plans. It is a direct competitor to 1945 Insurance Group, serving seniors with multi-carrier comparison through licensed agents and digital channels.
- SelectQuote: SelectQuote is a direct-to-consumer insurance brokerage that has built a major senior market division focused on Medicare Advantage and Medicare Supplement enrollment via inbound call center sales. Highly comparable to 1945's inside-sales, agent-led model serving seniors.
- eHealth: eHealth is an online health insurance marketplace that offers Medicare Advantage, Medicare Supplement, and Medicare Part D plans from multiple carriers, with both online and agent-assisted enrollment. Directly comparable as a multi-carrier Medicare distributor targeting seniors.
- Chapter: Chapter is a digital-first Medicare advisory and brokerage that helps seniors navigate Medicare Advantage and Medicare Supplement options across multiple carriers. Comparable to 1945 Insurance Group as an independent, multi-carrier Medicare advisor, though with a more technology-forward delivery model.
- Connie Health: Connie Health is an independent Medicare broker that uses licensed agents to guide seniors through Medicare Advantage and Medicare Supplement enrollment. Directly comparable to 1945 Insurance Group in business model, target customer, and agent-led sales approach.
- Medicareful: Medicareful is a Medicare-focused insurance technology and brokerage platform that connects beneficiaries with licensed agents for Medicare Advantage and Medicare Supplement enrollment. Directly comparable as a Medicare-specialist brokerage with agent distribution.
- HealthPlanOne: HealthPlanOne is an insurance brokerage that helps individuals compare and enroll in Medicare Advantage, Medicare Supplement, and Medicare Part D plans from multiple carriers. Comparable to 1945 Insurance Group in its senior-focused, multi-carrier brokerage model.
Broad incumbents
- Humana: Humana is one of the largest Medicare Advantage carriers in the US and a key partner of 1945 Insurance Group. While not a direct competitor in brokerage, Humana's expanding captive agent force (CenterWell) represents both a partnership opportunity and a disintermediation threat.
- UnitedHealthcare: UnitedHealthcare is the largest Medicare Advantage carrier by enrollment and a core partner of 1945 Insurance Group. Comparable as a broad incumbent in the Medicare Advantage ecosystem, and increasingly competing with independent brokers through direct consumer channels.
Emerging players
- QuoteWizard: QuoteWizard (a LendingTree company) operates an insurance comparison marketplace with growing Medicare coverage, connecting consumers with multiple carriers and agents. Comparable as a multi-carrier distribution channel for senior insurance products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
1945 Insurance Group social profiles
Digital presence1945 Insurance Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
1945 Insurance Group leadership team
Management profileNumber of profiles
Profiles1 record
1945 Insurance Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
1945 Insurance Group 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 1945 Insurance Group
What does 1945 Insurance Group do?
1945 Insurance Group is an independent insurance agency that helps Medicare-eligible beneficiaries (seniors 65+, certain younger people with disabilities, and individuals with End-Stage Renal Disease) compare and enroll in Medicare Advantage (Part C) and Medicare Part D prescription drug plans offered through its network of nationally recognized, A-rated Medicare carriers. Licensed agents perform a needs analysis and complete enrollment over the phone via verbal contracts sourced from carrier partners such as Blue Cross Blue Shield, Humana, UnitedHealthCare, Aetna, Wellcare, and Cigna. The agency is compensated through commissions paid by the carriers and does not charge consumers directly for its services.
Is 1945 Insurance Group a public or private company?
1945 Insurance Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was 1945 Insurance Group founded?
1945 Insurance Group was founded in 2021. It employs 11 to 50 people.
Where is 1945 Insurance Group based?
1945 Insurance Group is headquartered in Lutherville Timonium, United States, in the North America region.
How does 1945 Insurance Group make money?
One revenue line is on record: insurance Commission Revenue.
Who are 1945 Insurance Group's main competitors?
Direct peers on record are GoHealth, SelectQuote, eHealth, Chapter, Connie Health, Medicareful and HealthPlanOne. Broad incumbents are Humana and UnitedHealthcare. QuoteWizard is listed as an emerging player.
Does 1945 Insurance Group have an API?
No public API is recorded for 1945 Insurance Group.
What industry is 1945 Insurance Group in?
1945 Insurance Group's product category is Medicare Insurance Brokerage. Its primary akta.pro industry code is FSAIAGAH, Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs), with a secondary code of FSAIAGAA, Medicare Advantage (MA) Plans. Its NAICS code is 524210 and its SIC code is 6411.