Open Access Insurance

What Open Access Insurance does

Open Access Insurance, LLC is a privately held, Florida-based insurance brokerage that helps Medicare-eligible individuals, families, and seniors compare and enroll in Medicare-related coverage. The company distributes Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Prescription Drug Plans (Part D), and Hospital Indemnity products through a network of licensed sales agents operating across 31 active states with appointments in 35 jurisdictions. It maintains multi-carrier distribution relationships with 12+ unnamed insurance partners offering hundreds of policy options, which allows agents to match customers to plans from multiple carriers rather than to a single captive product set. Headcount is reported at 11-50 employees, the firm is headquartered in Wesley Chapel, FL, and customer acquisition is driven by a combination of website content, direct inquiry forms (MAPD, HIP, contact), email newsletter subscription, and a strong word-of-mouth referral base that the company cites as its primary growth engine.

The underlying technology is a standard content and lead-capture website with no proprietary platform, no API, no AI/ML features, and no disclosed data assets. Revenue is generated entirely through carrier commissions on enrolled policies, an affiliate/referral model in which Open Access Insurance is paid by insurance carriers rather than charging fees directly to consumers. The firm advertises 35+ years of industry experience, positions itself as customer-advocate rather than carrier-aligned, and provides educational content on Medicare eligibility, enrollment, and costs as a top-of-funnel acquisition tool. No funding rounds, M&A, leadership changes, certifications, patents, or awards are disclosed in the available source data, and the company is independently owned with no parent organization.

Name

Open Access Insurance

Legal name

Open Access Insurance, LLC

Website

https://openaccessinsurance.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

Open Access Insurance is a Florida-based, licensed insurance brokerage that helps Medicare-eligible individuals, families, and seniors compare and enroll in Medicare Advantage, Medicare Supplement, Prescription Drug Plans, and Hospital Indemnity policies through licensed agents across 31 states.

Ownership category

akta.pro rank

Product category

Insurance Brokerage (Medicare Health Insurance)

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

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

akta.pro secondary industries

Medigap Marketing, Lead Gen & Compliance (CMS/Do-Not-Call/TPMO) (HLAEADAE), Specified Disease Hospital Indemnity (e.g., Cancer Hospital Indemnity) (FSAIAKAI), Standalone Hospital Indemnity Insurance (FSAIAKAB)

Keywords

• Medicare insurance brokerage
• Medicare Advantage plans
• Medicare Supplement insurance
• Prescription drug plans
• Senior health insurance

Headquarters

HQ city

Wesley Chapel

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: Open Access Insurance earns commissions from insurance carriers when customers enroll in health insurance plans through their licensed agents. As a Medicare insurance agent/broker, the company receives compensation from insurance companies for facilitating enrollments in Medicare Advantage, Medicare Supplement, PDP, and Hospital Indemnity plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Open Access Insurance is a U.S. insurance agency that brokers Medicare-related health insurance products for individual consumers, including Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Prescription Drug Plans (Part D), and Hospital Indemnity coverage. The agency matches clients to plans offered by 12+ insurance carriers and is licensed to operate across 31+ states, serving Medicare-eligible seniors through licensed agents.

Product overview

Open Access Insurance operates as a licensed insurance brokerage offering a comprehensive portfolio of Medicare-related insurance products across 31 states. The product lineup centers on five core offerings: Medicare (Parts A and B), Medicare Advantage (Part C) plans from multiple private insurers, Medicare Supplement (Medigap) policies, Medicare Prescription Drug Plans (Part D), and Hospital Indemnity Plans. The company partners with over 12 insurance carriers offering hundreds of policy options, enabling personalized plan matching for individuals, families, and seniors. These products are designed to work together or independently to address different healthcare coverage needs, from basic hospital and medical coverage to supplemental gap coverage and prescription drug benefits.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Coverage available across 31 states with licensed service in 35 states
• +1 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Insurance Carriers (Unnamed)coreChannel Partner/ Reseller/ DistributorOpen Access Insurance works with over twelve insurance carriers offering hundreds of policies nationwide. The company serves as an agent/broker, selling and enrolling customers in plans from these insurance company partners. Specific carrier names are not disclosed on the website.

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• eHealth: eHealth is one of the largest independent Medicare insurance marketplaces in the US, offering online comparison and enrollment in MA, Medigap, and Part D plans. It directly competes with Open Access for Medicare beneficiaries shopping across multiple carriers, though at much larger scale and with a digital-first platform.
• HealthMarkets: HealthMarkets is a national independent insurance agency distributing health, Medicare, and supplemental coverage across multiple carriers via a licensed agent network. It overlaps directly with Open Access's multi-carrier Medicare brokerage model and agent-led distribution approach.
• GoHealth: GoHealth is a leading independent Medicare Advantage-focused brokerage leveraging a tele-agent and tech-enabled model. It is a direct peer because it sells the same multi-carrier Medicare product suite (MA, Medigap, PDP) to the same senior demographic, competing head-to-head during AEP.
• SelectQuote: SelectQuote is a multi-carrier independent insurance distributor with a strong Medicare Advantage and life business built on agent-led outbound and inbound calls. It competes with Open Access for the same Medicare-eligible consumer and uses a comparable carrier-agnostic comparison-and-enroll model.

Broad incumbents

• UnitedHealthcare (AARP Medicare): UnitedHealthcare is the largest Medicare Advantage carrier and distributes plans directly and through brokers like Open Access. It is comparable as the dominant counterparty supplying the MA, PDP, and Medigap products Open Access sells, and competes for the same beneficiary's enrollment decision.
• Humana: Humana is a top-3 Medicare Advantage and Part D carrier that sells both directly and through independent agents. It is a comparable peer because it is both a key carrier partner and a competing distribution channel, shaping commission economics and enrollment dynamics for Open Access.
• QuoteWizard (by LendingTree): QuoteWizard is a large online insurance comparison and lead-generation platform that distributes Medicare and other insurance shoppers to carrier partners. It is a comparable indirect competitor because it captures the same inbound Medicare shopping demand that Open Access's agents and website funnels compete for.
• Assurance IQ: Assurance IQ (acquired by Prudential) is a scaled, tech-enabled insurance platform distributing Medicare, life, and other coverage. It is comparable as a multi-carrier Medicare distributor with greater scale, broader product breadth, and significant paid lead-gen investment that Open Access's referral model competes against.

Emerging players

• Medicareful (by BenefitBay): Medicareful is a lead-generation and CRM platform built specifically for independent Medicare agents and brokers. It is comparable because it powers the same small-to-mid independent brokerage workflows Open Access relies on, and represents both a potential technology partner and a competitive distribution channel.
• Chapter: Chapter is a digital-first Medicare advisor focused on Medigap and Medicare Advantage comparison with a proprietary technology platform. It targets the same senior demographic as Open Access but competes through a self-service, advisor-supported experience rather than traditional phone-based agents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/OpenAccessInsur
• Facebookfacebook.com/Openaccessinsurance
• LinkedInlinkedin.com/company/open-access-insurance-llc

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 Open Access Insurance