Fredriksen Health Insurance

What Fredriksen Health Insurance does

Fredriksen Health Insurance is a family-owned insurance brokerage headquartered in Boise, Idaho, founded in 1980 and operating with a nine-person team. The firm serves approximately 500 Idaho employers, predominantly in the 2–1,200 employee range, placing group health, individual health, Medicare supplements, dental, vision, disability, and life insurance, with PinPaws pet insurance as an add-on product. It is distinguished as Idaho's only firm affiliated with United Benefits Advisors (UBA), a national advisor network, which extends its benchmarking and carrier-leverage capabilities beyond what a standalone local brokerage would typically access.

The business model is commission-based: revenue is generated through carrier-paid commissions on placed insurance premiums, with no proprietary technology platform or disclosed subscription or fee-for-service pricing layer. The firm does not own or operate its own carrier, claims infrastructure, or benefits-administration software; instead it relies on carrier systems, Zywave for HR support, and the Entrepreneurial Operating System (EOS) for internal operating discipline. Go-to-market is primarily referral-driven, supplemented by website, email, and community involvement.

The firm's stated strategic ambition is to scale to 30,000 insured lives by 2035, anchored on organic growth within Idaho rather than geographic expansion, M&A, or external funding. There are no disclosed acquisitions, no funding rounds, and no AI/ML capability investments in the available information. Customer segmentation is horizontal across SMB and lower-mid-market employers, with no named enterprise anchor accounts disclosed.

Name

Fredriksen Health Insurance

Legal name

Fredriksen Health Insurance

Website

https://fredhealthins.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Fredriksen Health Insurance is a family-owned Boise, Idaho insurance brokerage, founded 1980, serving roughly 500 Idaho employers (2–1,200 employees) with group health, individual, Medicare supplement, dental, vision, disability, life, and pet insurance.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Health insurance brokerage
• Employee benefit plans
• Medicare supplement plans
• Group health insurance
• Individual health insurance

Headquarters

HQ city

Boise

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Fredriksen Health Insurance generates revenue through commissions paid by insurance carriers on policies sold and serviced. As an independent insurance broker/agency, they earn commissions on health, dental, vision, life, disability, and Medicare insurance products placed with their carrier partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Fredriksen Health Insurance is an independent insurance brokerage that sells and services group employee benefit plans (health, dental, vision, life, disability, accident, critical illness, hospital indemnity) for Idaho employers ranging from 2 to 1,200 employees. It also places individual health insurance, Medicare supplements, and pet insurance (PinPaws, underwritten by MetLife), earning commissions from multiple insurance carriers while providing advisory services including plan design, benchmarking, and HR support.

Product overview

Fredriksen Health Insurance is a locally owned insurance brokerage in Boise, Idaho, offering a comprehensive portfolio of health insurance and employee benefit products. The core offering centers on Group Health Insurance Plans serving nearly 500 Idaho employers (2-1,200 employees), supplemented by Individual Health Insurance Plans, Medicare Supplement Plans, Dental, Vision, Life, and Disability insurance. The company provides value-added services through its exclusive UBA partnership including the industry's largest health plan benchmarking tool, and offers a proprietary pet insurance solution called PinPaws underwritten by MetLife Pet Insurance. All services are delivered with licensed human support and powered by HR technology tools including Zywave for client HR support needs.

Differentiator

Problem solved

Functional benefit

Brands

• PinPaws: Premium pet insurance solution offered through Fredriksen Health Insurance, underwritten by MetLife Pet Insurance. Includes Pin Paws Plus Benefits with lost-pet notification tags, 24/7 pet telehealth service, and discount programs for pet meds and supplies.

Products and services

• Group Health Insurance Plans Comprehensive employee benefit packages including Health, Dental, Vision, Life, Short Term Disability, Long Term Disability, Accident, Critical Illness, and Hospital Indemnity coverage with online enrollment tools and HR support for Idaho employers ranging from 2 to 1,200 employees.
• Individual Health Insurance Plans Personal health insurance policies available through the Your Health Idaho marketplace, with access to Advanced Premium Tax Credits, short-term care plans, and enrollment support during special enrollment periods and open enrollment.
• Medicare Supplement Plans Medicare advisory and supplemental coverage solutions that help beneficiaries understand their Medicare options, timing of enrollment, and coverage choices, working with multiple carriers to provide comprehensive plan comparisons.
• Medicaid Transition Assistance Support services for individuals losing Medicaid coverage, providing guidance for smooth transitions to alternative health insurance coverage.
• PinPaws Pet Insurance Exclusive pet insurance solution covering cats and dogs of all breeds and ages, providing accident and illness coverage, customizable deductibles, and routine care options, underwritten by MetLife Pet Insurance. Includes Pin Paws Plus Benefits with lost-pet notification tags, 24/7 pet telehealth service, and discount programs for pet meds and supplies.
• Employee Benefit Advisory Services Professional advisory services including consultative plan design analysis, health and welfare plan brokerage, renewal pricing evaluation, cost forecasting, health care cost-containment strategies, claims analysis, and HIPAA compliance support.

Quantifiable outcome

• Serves nearly 500 Idaho employers ranging from 2 to 1,200 employees
• +1 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• United Benefit Advisors (UBA)coreStrategic or Co-development PartnerFredriksen Health Insurance is Idaho's only UBA designated firm. UBA selected the top 130 benefit advisory firms to form an elite partnership. Through collaboration with other top independent benefit advisory firms, Fredriksen is positioned to thrive in response to new challenges of the changing employee benefits marketplace. The firm collaborated to create the largest health plan benchmarking tool in the industry to accurately compare health plans to industry, state and national averages.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Holmes Murphy: Employee benefits and risk management brokerage focused on mid-market employers; directly comparable to Fredriksen in employee benefits advisory, voluntary benefits, and benchmarking-supported consulting services.
• HUB International: Major North American insurance brokerage offering employee benefits, commercial, and personal lines; competes with Fredriksen in the small/mid-employer benefits segment, including via regional offices in the Pacific Northwest.
• USI Insurance Services: Top-10 US insurance brokerage with a substantial employee benefits practice serving mid-market employers; closely comparable to Fredriksen in product offering and target segment, with deeper carrier and consulting capabilities.
• Assurance: Mid-market-focused insurance brokerage specializing in employee benefits, HR consulting, and risk management; competes with Fredriksen for SMB and mid-market group health and benefits business nationally and could expand into Idaho.
• Marsh McLennan Agency: Mid-market arm of Marsh McLennan focused on employee benefits, risk, and commercial insurance for businesses in the 50–5,000 employee range; comparable to Fredriksen in core group benefits delivery but at much greater scale and breadth.
• Leavitt Group: Multi-line insurance brokerage headquartered in Cedar City, Utah with a strong Pacific Northwest and Mountain West presence; competes directly with Fredriksen for small and mid-market employer benefits and individual health accounts in Idaho and surrounding states.
• Brown & Brown Insurance: National insurance brokerage and benefits administrator offering group health, voluntary, and Medicare solutions; comparable to Fredriksen across product lines and customer segments, particularly for SMB employers.
• OneDigital: National employee benefits and insurance brokerage serving mid-market employers; comparable to Fredriksen in target customer size and product mix (group health, voluntary, benefits advisory), with broader geographic reach.
• NFP (an Aon company): Large US insurance brokerage and benefits advisor with strong mid-market and corporate employer benefits practice; directly comparable to Fredriksen in employee benefits brokerage and risk advisory services, though at substantially greater scale.

Emerging players

• TakeCommand Health: Tech-enabled health benefits broker targeting small and mid-sized employers with a digital platform for quoting, benefits administration, and HR support; overlapping with Fredriksen's SMB group health market but via a self-service/digital model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fredhealthins

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Fredriksen Health Insurance