A+ Smart Health Insurance Agency

What A+ Smart Health Insurance Agency does

A+ Smart Health Insurance Agency is a privately held, licensed health insurance brokerage founded in 2001 by Barbara Coates, headquartered in Boulder, Colorado, with a second office in Port Isabel, Texas. The company operates with a small team of 1-10 licensed insurance agents who specialize exclusively in health insurance products for individual consumers, families, and small-to-large employer groups. Its product portfolio spans 15 insurance categories including individual and group health, dental, vision, Medicare supplement and advantage plans, accident, disability, life, long-term care, travel, and hospital indemnity coverage, distributed through 11+ carrier partnerships including Anthem, Cigna, Kaiser Permanente, UnitedHealthcare, Delta Dental, VSP, and MetLife.

The agency generates revenue exclusively through insurance carrier commissions on policies sold and serviced, with no fees charged to clients. Its go-to-market is sales-led, relying on licensed agents delivering personalized consultations via phone, in-person office appointments, on-site workplace enrollment meetings, and increasingly through direct online enrollment portals. The agency is certified as a Connect for Health Colorado marketplace broker, enabling it to assist clients with subsidy applications and tax credit eligibility. Marketing is primarily word-of-mouth driven, supported by the company website (smartsummithealth.com) and client testimonials. Technology-enabled features are limited to conventional web tools: quote request forms, an appointment booking system, and a member portal—no API, app, or proprietary technology platform is offered.

The business is founder-owned and independently operated with no disclosed external investment, parent company, or institutional ownership. The agency differentiates through 24 years of specialization, multilingual staff (English, Spanish, French), after-hours availability, and full-service claims and benefits support. Operations are constrained to a small staff and two physical locations, suggesting a lifestyle-oriented brokerage model rather than a scalable enterprise.

Name

A+ Smart Health Insurance Agency

Legal name

A+ Smart Health Insurance Agency

Website

https://smartsummithealth.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

A+ Smart Health Insurance Agency is a privately held, licensed health insurance brokerage founded in 2001, serving individual consumers, families, and small-to-large employer groups in Colorado and Texas. The agency offers 15 insurance product types through 11+ carrier partnerships, generating revenue exclusively from carrier commissions on policies sold and serviced.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA)

akta.pro secondary industries

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Small Group Health Insurance (2–50/100) (FSAIAFAD), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Health insurance brokerage
• Individual health plans
• Group health insurance
• Medicare supplements
• Insurance agent services

Headquarters

HQ city

Coushatta

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As licensed insurance brokers, the agency receives commissions paid by insurance carriers for policies sold. They service everything they sell and do not charge clients for their services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

A+ Smart Health Insurance Agency is a licensed health insurance brokerage that sells individual and group health insurance plans from multiple carriers. As a Connect for Health Colorado certified broker, the agency helps individuals, families, and businesses compare and enroll in medical, dental, vision, Medicare, life, disability, accident, hospital indemnity, and travel insurance products, and provides ongoing policy servicing.

Product overview

A+ Smart Health Insurance Agency operates as a licensed health insurance brokerage offering a comprehensive portfolio of insurance products and services. The agency specializes in individual and group health insurance, functioning primarily as a Connect for Health Colorado certified broker to assist clients with marketplace enrollment and tax credit eligibility. The product portfolio includes core individual insurance products (Health Insurance, Dental, Vision, Medicare Supplement, Accident, Disability, Life, Travel, Hospital Indemnity) and group plans (ICHRA, Small Group, Large Group, Partially Self-Funded). The agency provides both agent-assisted consultations and direct enrollment portals for multiple carrier partners including Cigna, Anthem, Delta Dental, Kaiser Permanente, UnitedHealthcare, VSP, and Select Health. Technology-enabled features include online quote forms, appointment scheduling systems, and member portal login, though the agency does not offer a public API for developer integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Health Insurance ACA-qualified major medical health insurance plans for individuals and families, available on or off the Connect for Health Colorado marketplace, with assistance applying for tax credit subsidies.
• Dental Insurance
• Vision Insurance Individual vision coverage including eye exams and eyewear, available through VSP (Vision Service Plan), with enrollment processed via IndividualBrokerVision.com at about $18.30 per month.
• Medicare Supplement, Advantage and Part D Medicare Supplement Plans, Medicare Advantage Plans, Part D prescription drug coverage, and Long Term Care options for individuals age 65 and beyond.
• Accident Insurance Supplemental accident coverage for active individuals covering bike accidents, skiing, team sports, climbing, and cooking mishaps, offered through the NEA plan.
• Disability Insurance Short-term disability, long-term disability, group disability, and Business Overhead Policies designed to protect income during disability periods.
• Hospital Indemnity / Short-Term Health Insurance Short-term hospital indemnity insurance providing temporary coverage for individuals who are uninsured, unemployed, self-employed, or need affordable monthly budget-friendly options.
• Group Health Plans Small and large group health insurance including ICHRA (Individual Coverage HRA), partially self-funded plans, and fully insured group plans for businesses with two or more employees.
• Life Insurance Life insurance products for singles, couples, families, and groups, including long-term care insurance quotes, searchable across nationwide carriers to find lowest rates.
• Travel Insurance Inexpensive travel insurance policies for individuals and groups traveling internationally, providing foreign country coverage to supplement high deductibles or Medicare Supplement policies.

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core and minor.

• Connect for Health ColoradocoreChannel Partner/ Reseller/ DistributorOfficial marketplace partner where the agency is certified as brokers to assist clients with enrolling in health insurance plans and applying for federal financial assistance including Advanced Premium Tax Credits.
• Anthem Blue Cross Blue ShieldcoreChannel Partner/ Reseller/ DistributorMajor health insurance carrier offering individual and group health plans through the agency.
• CignacoreChannel Partner/ Reseller/ DistributorHealth insurance carrier offering individual marketplace plans and self-funded group plans (20+ employees) through the agency.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorHealth insurance carrier offering individual and family plans through the agency.
• UnitedHealthcarecoreChannel Partner/ Reseller/ DistributorMajor health insurance carrier offering medical and ancillary products through the agency.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDental insurance carrier offering individual and group dental plans through the agency.
• Vision Service Plan (VSP)coreChannel Partner/ Reseller/ DistributorVision insurance carrier offering vision coverage through the agency.
• MetLifeminorChannel Partner/ Reseller/ DistributorInsurance carrier offering dental and ancillary products through the agency's group quoting platform.
• Rocky Mountain Health PlanscoreChannel Partner/ Reseller/ DistributorRegional health insurance carrier offering plans through the agency's group quoting platform.
• Denver Health Medical PlancoreChannel Partner/ Reseller/ DistributorHealth insurance carrier offering individual exchange plans through the agency.
• Select HealthcoreChannel Partner/ Reseller/ DistributorHealth insurance carrier offering individual plans through the agency.
• Health SherpaminorChannel Partner/ Reseller/ DistributorOnline marketplace platform offering individual health insurance plans through the agency.
• Mutual of OmahaminorChannel Partner/ Reseller/ DistributorLong-term care insurance partner offering policies through the agency.
• NEA (National Education Association)minorChannel Partner/ Reseller/ DistributorAccident insurance partner offering group accident plans with claims service, customer service, and competitive pricing through the agency.

Scale indicators4 records

Recent moves5 records

Direct peers

• eHealth: Online health insurance broker and marketplace offering individual, family, Medicare, and small-business plans across carriers. Same multi-carrier commission model as A+ but with national digital reach and proprietary technology platform.
• GoHealth: Public health insurance marketplace operating a large call-center-based brokerage model for Medicare and individual ACA plans. Directly competes with A+ on Medicare Advantage/Supplement and ACA marketplace enrollment, though at enterprise scale.
• Benefy: Benefits brokerage platform for small and mid-sized employers offering group health, ICHRA, and ancillary benefits. Comparable in targeting small-group employer clients and offering multi-carrier quoting across A+'s product categories.
• SelectQuote: Direct-to-consumer insurance brokerage specializing in life, senior (Medicare), and auto/home coverage with telephonic and digital enrollment agents. Comparable in its commissioned-agent distribution of multiple health-adjacent insurance products.
• Health Sherpa: ACA marketplace enrollment platform for both consumers and licensed agents — actually listed as a partner of A+ Smart Health. Direct overlap on Connect for Health CO / individual marketplace flow and direct competition as consumers self-serve online.
• HealthMarkets: National independent health insurance brokerage licensed in all 50 states selling individual, family, small-group, Medicare, and supplemental products. Closely mirrors A+ Smart Health's commission-based model and multi-carrier approach but at vastly greater scale.

Emerging players

• Stride Health: Digital-first health insurance broker focused on self-employed and small-business customers including ICHRA, which is also a product line for A+. Comparable technology-enabled brokerage approach in adjacent customer segments.

Broad incumbents

• Brown & Brown Insurance: Public, national insurance brokerage with extensive employee benefits and personal lines operations. Sets the competitive benchmark for carrier relationships, technology investment, and multi-state licensing that A+ would need to scale.
• CBIZ Benefits & Insurance Services: Large national insurance brokerage and benefits consulting firm with deep small-group, large-group, and individual practice. Represents the scaled incumbent that small shops like A+ compete against on group business.

Others

• Connect for Health Colorado: Colorado's official ACA health insurance marketplace — not a competitor but a core channel partner and dependency for A+ Smart Health. Marketplace policy, subsidy structure, and certified-broker economics directly govern A+'s primary revenue stream.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/a-smart-summit-health

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 A+ Smart Health Insurance Agency