Horvath & Partners Insurance

What Horvath & Partners Insurance does

Horvath & Partners Insurance is a privately held, independent insurance agency operating as Horvath & Partners LLC from Kennesaw, Georgia. Founded by Peter Horvath, who obtained his Georgia life and health insurance license in 2016 after immigrating from Hungary, the firm specializes in Medicare and ACA Health Insurance Solutions for individual consumers, families, and small to mid-sized businesses across nine states (GA, AL, FL, SC, LA, TN, TX, PA, CA). Its product portfolio spans Original Medicare Parts A and B, Medicare Part D prescription drug coverage, Medicare Supplement (Medigap) plans, Medicare Advantage (Part C), ACA Marketplace individual and family plans, employer group benefits (fully insured, self-funded, and level-funded), and Long-Term Care insurance including traditional and hybrid life+LTC policies.

The firm operates on a commission-based revenue model as an independent agency representing 10 insurance organizations offering more than 1,006 combined policies and products, with no disclosed proprietary technology platform. Standard industry tools are used for quoting, scheduling, and client management, and distribution is entirely direct via licensed agents delivering phone, email, Zoom, and in-person consultations. The firm supplements its advisory work with an educational content ecosystem including a Medicare 101 video series and a regularly maintained Knowledge Base covering Medicare enrollment, penalties, plan comparisons, and long-term care planning.

The team is small (firmographic range 1-10) and includes founder Peter Horvath, licensed agent Erin Martin, and content author David Monostori. The firm has earned consecutive Healthcare Marketplace Circle of Champions recognition from 2020 through 2024, including Elite tiers in 2022 and 2023, signaling sustained ACA enrollment performance. No funding rounds, M&A activity, or revenue figures are disclosed, and no AI/ML capabilities are evident in the input.

Name

Horvath & Partners Insurance

Legal name

Horvath & Partners LLC

Website

https://horvathandpartners.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Horvath & Partners Insurance is a privately held, independent insurance agency in Kennesaw, Georgia, advising Medicare-eligible individuals, ACA Marketplace enrollees, and small/mid-sized employers across nine US states through licensed agents earning carrier commissions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Combined Dental & Vision Insurance (FSAIAHAC)

Keywords

• Medicare insurance solutions
• ACA health insurance
• Employee benefits brokerage
• Long-term care insurance
• Independent insurance agency

Headquarters

HQ city

Kennesaw

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: The company operates as an independent insurance agency earning commissions from insurance carriers. They represent 10 organizations offering more than 1006 combined policies and products. Revenue is generated through commissions on insurance policies sold to Medicare beneficiaries, ACA health insurance enrollees, and employee benefits clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Horvath & Partners Insurance is an independent insurance agency that brokers Medicare, ACA Marketplace, employer group benefits, and long-term care insurance products from 10 carrier organizations representing more than 1,006 combined policies. Licensed agents deliver personalized consultations and education-first guidance to individuals and small/mid-sized businesses across nine states.

Product overview

Horvath & Partners is an independent insurance agency offering Medicare & ACA Health Insurance Solutions. The company provides a comprehensive portfolio of insurance products including Original Medicare (Parts A & B), Medicare Part D prescription drug coverage, Medicare Supplement (Medigap) plans such as Plan G and Plan N, and Medicare Advantage (Part C) plans. Beyond Medicare products, the agency offers ACA Marketplace individual/family health insurance, employer group benefits (including fully insured, self-insured, and level-funded options), and Long-Term Care insurance (traditional, hybrid life+LTC, and rider products). The agency supplements its product offerings with educational resources including a Medicare 101 five-episode video series and a Knowledge Base featuring articles on Medicare enrollment, forms, and coverage comparisons. Services span Georgia, Alabama, Florida, South Carolina, Louisiana, Tennessee, Texas, Pennsylvania, and California, representing 10 insurance organizations offering over 1,006 combined policies.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Part A & B Coverage Original Medicare coverage comprising Part A hospital insurance and Part B medical insurance, designed for individuals approaching or enrolled in Medicare who need help understanding inpatient, outpatient, and preventive care benefits.
• Medicare Part D (Prescription Drug Coverage) Standalone prescription drug coverage that adds pharmacy benefits, formulary access, and preferred pharmacy networks to Original Medicare, intended for Medicare beneficiaries who need help managing medication costs.
• Medicare Supplement (Medigap) Private Medigap policies (including Plan G and Plan N) that supplement Original Medicare by covering deductibles, coinsurance, copayments, and excess charges for seniors seeking to limit out-of-pocket Medicare costs.
• Medicare Advantage (Part C) Medicare Part C private plans bundling Parts A, B, and typically Part D into one product, offered in HMO, PPO, PFFS, and SNP variants with added benefits such as vision, dental, and hearing for Medicare-eligible individuals preferring an all-in-one alternative to Original Medicare.
• ACA Health Insurance / Marketplace Plans ACA-compliant individual and family health insurance plans offered through federal and state Marketplaces (including Georgia Access), with comprehensive coverage, pre-existing condition coverage, essential health benefits, and income-based APTC subsidies for self-employed, early retirees, and uninsured individuals and families.
• Employee Benefits (Fully Insured, Self-Insured, Level-Funded Plans) Group health insurance and benefits packages for small and mid-sized employers, structured as fully insured, self-insured, or level-funded plans, with ACA 1094/1095-C compliance, ERISA guidance, and Medicare Creditable Coverage coordination.
• Long-Term Care Insurance Long-term care coverage for ongoing daily living assistance, including Traditional LTC Insurance, Hybrid Life + LTC policies combining life insurance with LTC benefits, and LTC Riders on Life or Annuity products for pre-retiree and retiree individuals seeking to protect retirement savings from nursing home and assisted living costs.

Segments4 records

Ideal customer profiles4 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.

• Major Insurance CompaniescoreOthersHorvath & Partners works with 10 major insurance organizations that offer more than 1006 combined policies and products. This network of carrier partnerships enables the agency to provide objective recommendations across Medicare, health insurance, employee benefits, and long-term care products. The independent agency model allows them to match clients with appropriate coverage from these carriers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Policygenius: Online insurance marketplace distributing life, health, disability, and Medicare products from multiple carriers. Comparable as a multi-carrier brokerage with an education-driven content strategy aimed at simplifying complex insurance decisions for consumers.
• HealthMarkets: Independent insurance brokerage representing multiple carriers across health, Medicare, and supplemental products. Comparable as an independent, multi-carrier agency selling Medicare, ACA, and ancillary health coverage to individuals and small businesses.
• GoHealth: Medicare-focused online insurance brokerage offering Medicare Advantage, Supplement, and Part D plans from multiple carriers. Comparable in business model (multi-carrier broker earning commissions) and customer base (seniors shopping for Medicare coverage).
• SelectQuote: Senior-focused independent insurance brokerage distributing Medicare, life, and health products via telephonic and digital channels. Highly comparable as an independent agency that derives commissions from multiple carriers and concentrates on Medicare-eligible consumers.
• eHealth: Online health insurance marketplace selling Medicare, ACA, and individual/family health plans from multiple carriers. Comparable as a multi-carrier brokerage serving Medicare and ACA consumers, though operating at significantly greater scale and digital maturity.

Broad incumbents

• Aetna (CVS Health): National health insurer selling Medicare, ACA, and group health products through independent broker channels. Comparable as a major carrier partner and competitor operating across the same Medicare, ACA, and employer group segments.
• UnitedHealthcare (UnitedHealth Group): Largest US health insurer with the leading Medicare Advantage franchise and broad individual/group product portfolio. Comparable as a carrier partner and as the dominant scaled competitor in Medicare and group health distribution.
• Humana: Major Medicare Advantage insurer and broader health carrier with significant independent agent distribution. Comparable as both a key carrier partner and a dominant Medicare competitor with significant marketing and technology resources.
• Mutual of Omaha: Mutual insurer offering Medicare Supplement, Part D, and other health and life products through independent agents. Comparable as a carrier partner that also competes indirectly by offering direct-to-consumer Medicare products through its own agent network.

Emerging players

• Medicare.com: Digital Medicare shopping and education platform connecting seniors with carriers and agents. Comparable as a Medicare-focused lead-generation and brokerage channel overlapping with the agency's core Medicare advisory offering.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/horvathandpartners

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Horvath & Partners Insurance