Universal Life & Health Agency

What Universal Life & Health Agency does

Universal Life & Health Agency, operating under the brand Get Covered USA, is a Florida-based health insurance brokerage founded in 2009 by CEO Jeffrey Mercado. The firm serves individuals and families seeking Affordable Care Act Marketplace coverage, as well as Medicaid, CHIP, and advance tax credit programs, and is licensed to operate in 31 U.S. states with a stated active base of 15,000+ families. The core service is free, personalized, agent-assisted enrollment in which certified agents verify that customers' preferred doctors and medications are in-network, compare qualified health plan options, and complete enrollment paperwork on the customer's behalf.

The product portfolio centers on Marketplace enrollment, supported by an Enrollment Portal for customers and an Agent Portal for carrier appointments and contracting, and extended through nine adjacent lines: auto insurance, life insurance, and eight supplemental health products covering dental, vision, accident, critical illness, hospital indemnity, short-term disability, and long-term disability. Distribution runs through three primary channels: bilingual (English/Spanish) phone-based enrollment, a website funnel (getcoveredusa.org), and community outreach — most notably a partnership with the Mexican Consulate and local events targeting Spanish-speaking families.

The revenue model is a standard insurance agency commission structure: carriers (United Healthcare, Oscar Health, Ambetter, and other Marketplace providers) pay the agency for successful policy placements, while the customer pays nothing. The company has been recognized by the U.S. Centers for Medicare & Medicaid Services (CMS) as a Circle of Champions Elite Champion for five consecutive years (2021-2025). It is a privately held, bootstrapped firm with no disclosed institutional funding, controlled by co-founders Jeffrey Mercado (CEO) and Jurany Mercado (Co-Founder and Economist).

Name

Universal Life & Health Agency

Legal name

Universal Life And Health Insurance Agency Co

Website

https://getcoveredusa.org

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Health Insurance 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

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

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), Universal Life (UL) Insurance (FSAIABAB)

Keywords

• Health insurance brokerage
• Marketplace enrollment services
• Supplemental insurance products
• Insurance agent services
• ACA marketplace assistance

Headquarters

HQ city

St. Petersburg

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: The company provides free services to customers and earns commissions from insurance carriers (United Healthcare, Oscar Health, Ambetter, and other marketplace providers) for enrollments processed. This is a standard insurance agency commission model where carriers pay agents for successful policy placements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Universal Life & Health Agency, operating as Get Covered USA, is a licensed health insurance brokerage that assists individuals and families with enrollment in Qualified Health Plans on the Federally Facilitated Marketplace, including Medicaid, CHIP, and advance tax credits. The agency also distributes a portfolio of supplemental insurance products (dental, vision, accident, critical illness, hospital indemnity, short- and long-term disability, life) and auto insurance, with certified agents verifying customer doctors and medications against insurer networks across 31 U.S. states.

Product overview

Universal Life & Health Agency operates Get Covered USA as a health insurance enrollment marketplace that connects individuals and families with Qualified Health Plans on the Federally Facilitated Marketplace. The core offering includes the Enrollment Portal for customer applications and the Agent Portal for carrier contracting. The product portfolio spans health insurance marketplace services supplemented by auto insurance, life insurance, and a comprehensive suite of eight supplemental health insurance products: Dental, Vision, Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Long-Term Disability, and Life Insurance. The company provides enrollment assistance across 31 states, helping families access subsidies, Medicaid, and CHIP programs.

Differentiator

Problem solved

Functional benefit

Brands

• 360 Universal Healthcare: DBA used on consent forms, operated by 360 Universal Solutions LLC

Products and services

• Health Insurance Marketplace Services Assists individuals and families with health insurance enrollment, plan education, and enrollment in Qualified Health Plans offered on the Federally Facilitated Marketplace, including Medicaid, CHIP, and advance tax credits. Includes doctor and medication network verification. Available across 31 licensed states.
• Dental Insurance Coverage for preventive care and restorative dental services with network dentists, offered as a supplemental product alongside Marketplace health plans.
• Vision Insurance Financial assistance for annual eye exams, frames, prescription lenses, and contact lenses, sold as a supplement to primary health coverage.
• Accident Insurance Provides direct cash payments to cover medical or household bills when unexpected accidents occur.
• Critical Illness Insurance Lump-sum payment for diagnoses such as heart attack, stroke, or cancer, intended to cover mortgage payments or specialized treatments.
• Hospital Indemnity Insurance Pays a fixed amount per day or event while the insured is hospitalized to cover daily expenses not paid by primary health insurance.
• Short-Term Disability Insurance Replaces a portion of income when illness temporarily prevents the insured from working.
• Long-Term Disability Insurance Extended income protection if a severe medical condition prevents the insured from working for an extended period.
• Life Insurance Term life or whole life insurance designed to ensure loved ones' financial future is secure, sold alongside health coverage offerings.
• Auto Insurance Collision and liability protection with 24/7 roadside assistance for vehicle owners, distributed by Get Covered USA via a partner quoting platform.

Quantifiable outcome

• 15,000+ families served
• +2 more outcomes

Named customers2 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

Five partnerships are on record, tiered core.

• United HealthcarecoreChannel Partner/ Reseller/ DistributorMajor national health insurance carrier offered through Get Covered USA's marketplace platform. United Healthcare provides coverage options for individuals and families enrolling through the Health Insurance Marketplace.
• Oscar HealthcoreChannel Partner/ Reseller/ DistributorTechnology-focused health insurance carrier partnered with Get Covered USA to offer individual and family health plans through the marketplace.
• AmbettercoreChannel Partner/ Reseller/ DistributorNational health insurance carrier providing marketplace plans, partnered with Get Covered USA for distribution to consumers.
• Mexican ConsulatecoreStrategic or Co-development PartnerCommunity partnership for outreach to Spanish-speaking populations. Get Covered USA participates in consulate events to educate families about US health insurance and Marketplace subsidies.
• Health Insurance MarketplacecoreChannel Partner/ Reseller/ DistributorOfficial marketplace partner recognized by CMS. The company holds Elite Champion status for five consecutive years (2021-2025) for performance during Open Enrollment Periods.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• HealthMarkets: HealthMarkets is a large independent insurance brokerage with a primary focus on individual and family health insurance including ACA Marketplace plans. Operates a comparable agent-led, multi-carrier model serving consumers nationwide, with similar commission-based revenue and bilingual agent support.
• SmartFinancial: SmartFinancial is a digital insurance marketplace that compares and enrolls consumers in health, life, auto, and supplemental products. Offers a directly comparable individual-marketplace agent-assisted distribution model.
• GoHealth: GoHealth is a leading health insurance marketplace that connects consumers with ACA Marketplace plans via licensed agents. Operates a technology-augmented telesales model directly comparable to Get Covered USA's phone-based, agent-assisted enrollment approach.
• SelectQuote: SelectQuote is an insurance brokerage platform distributing individual health and supplemental insurance through agent-assisted inbound sales. Highly comparable tele-agent model targeting similar unsubsidized/subsidized health insurance and supplemental cross-sell market.
• eHealth: eHealth is an online health insurance marketplace and broker that helps individuals, families, and small businesses enroll in health plans including ACA Marketplace products. Operates a comparable online plus licensed-agent hybrid model that overlaps directly with Get Covered USA.
• Zander Insurance Group: Zander Insurance is an independent brokerage offering personal insurance including health coverage and supplemental lines. Comparable as a smaller, multi-line independent agency that brokers Marketplace and ancillary products.

Broad incumbents

• Oscar Health: Oscar Health is a technology-led individual-market ACA insurer and named carrier partner of Get Covered USA. Operates in the same exchange market as a direct carrier rather than a broker; useful comparable for ACA strategy and product economics.
• UnitedHealthcare (UnitedHealth Group): UnitedHealthcare is the largest U.S. health insurer and a carrier partner of Get Covered USA. A Broad Incumbent in the same individual health market with overlapping customer base, but operates as the underwriting carrier rather than as an agent intermediary.
• Ambetter (Centene): Ambetter is the individual marketplace brand of Centene, a leading ACA Marketplace carrier and named partner of Get Covered USA. Directly overlapping carrier in the same subsidized individual exchange market.

Others

• Healthcare.gov / CMS Marketplace: Healthcare.gov is the federal ACA Marketplace platform from which Get Covered USA's enrollment services originate. Adjacent ecosystem participant that sets platform rules and indirectly defines the demand pipeline that Get Covered USA serves as an agent of record.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights2 records

Customer concentration

• YouTubeyoutube.com/@getcoveredusa
• Facebookfacebook.com/172694682874109
• Instagraminstagram.com/getcoveredusa
• LinkedInlinkedin.com/company/get-covered-usa

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 Universal Life & Health Agency