BYGA Healthcare Insurance

What BYGA Healthcare Insurance does

BYGA Healthcare Insurance is an independent, privately held insurance agency headquartered in El Paso, Texas, serving residents of Texas and New Mexico. The firm functions as a licensed broker earning commissions from insurance carriers, including Ambetter, Molina, and Oscar for ACA Marketplace plans, plus various Medicare Advantage, Medicare Supplement (A–N), and Medicare Part D carriers. It also distributes private health, group, dental, life, and funeral insurance products. Its primary customer segments are seniors eligible for Medicare and individuals/families enrolling in Obamacare/ACA coverage, with a secondary segment of small-business employers seeking group coverage.

The company has no proprietary technology platform; it operates a traditional agent-assisted distribution model. GTM is sales-led and inside-sales-driven, with licensed agents reachable by phone (915-613-5102, 1-888-477-7310), email ([email protected]), and in-person at its El Paso office. Digital channels include a bilingual website (English/Spanish), email newsletter signups, Twitter accounts (@ElPasoHealthIns, @ElPasoObamacare), and a HealthSherpa integration for instant online quotes. The website provides educational content on Medicare and ACA topics, lead-capture forms, and a 'Business Opportunities' page offering leads and marketing support to recruiting insurance professionals.

Commercially, BYGA earns transaction-based commissions from carrier placements rather than charging consumers directly; pricing for underlying plans is set by carriers and varies by coverage tier, deductibles, and subsidies. The firm does not disclose revenue, has no disclosed funding rounds or institutional backing, and offers no public-facing AI capabilities, APIs, or proprietary technology stack.

Name

BYGA Healthcare Insurance

Legal name

BYGA Healthcare Insurance

Website

https://bygahealthcareinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

BYGA Healthcare Insurance is an independent, El Paso-based licensed insurance agency earning carrier commissions by brokering Medicare, ACA/Obamacare, and private health plans to individual and small-business consumers across Texas and New Mexico.

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

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

Keywords

• Health insurance brokerage
• Medicare plan enrollment
• Obamacare marketplace assistance
• Private health coverage
• Insurance agent services

Headquarters

HQ city

El Paso

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Agency Commissions: BYGA Healthcare Insurance operates as an independent insurance agency/broker earning commissions from insurance carriers for enrollments and policy placements. The company represents multiple insurance companies including Ambetter, Molina, and Oscar Insurance for Obamacare plans, as well as Medicare Advantage, Supplement, and Part D plans.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

BYGA Healthcare Insurance is an independent insurance agency that represents multiple insurance carriers to sell and enroll customers in health insurance plans. The agency offers Medicare Advantage (Part C), Medicare Supplemental Insurance (Plans A–N), Medicare Part D prescription drug plans, Affordable Care Act/Obamacare marketplace plans, private health insurance for individuals and small employer groups, and ancillary coverage such as dental, life, and funeral insurance. Licensed agents provide personalized consultation, plan comparison, subsidy eligibility assessment, and enrollment assistance to Texas and New Mexico residents via phone, email, in-person office visits, and the integrated HealthSherpa online quote platform.

Product overview

BYGA Healthcare Insurance is an independent insurance agency offering a comprehensive portfolio of health insurance products. The core offerings include Medicare Advantage Plans (Part C), Medicare Supplemental Insurance (Plans A-N), Medicare Prescription Drug Plans (Part D), Affordable Care Act/Obamacare plans, and Private Health Insurance for individuals and employer groups. Additional products include Dental, Life, and Funeral Insurance. The company serves Texas and New Mexico residents from their El Paso, Texas office, specializing in Medicare products for seniors and ACA-compliant coverage for individuals and businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Advantage Plans Private Medicare Part C plans offered by Medicare-approved private companies that provide the same coverage as Original Medicare plus additional benefits. Available in PPO and HMO network options with varying premiums and co-payments. For Medicare-eligible seniors in Texas and New Mexico.
• Medicare Supplemental Insurance Medicare Supplement (Medigap) plans available in ten standardized plans (A–N), regulated by the federal government and state, designed to cover costs that Original Medicare does not cover. For Medicare-eligible seniors in Texas and New Mexico.
• Medicare Prescription Drug Plans (Part D) Medicare Part D prescription drug coverage offered through private insurance companies approved by Medicare, with various plan options differing in drug coverage, premiums, and deductibles. For Medicare-eligible seniors in Texas and New Mexico.
• Obamacare (ACA) Health Insurance Affordable Care Act marketplace health insurance plans requiring most Americans to maintain coverage, with enrollment assistance, subsidy qualification, and coverage options in gold, silver, platinum, and bronze tiers. Includes Ambetter, Molina, and Oscar carrier options. For individuals and families in Texas and New Mexico.
• Private Health Insurance Plans Competitive private health insurance plans for individuals and businesses, including employer group plans and individual private coverage, covering various needs and coverage requirements. For individuals, families, and small businesses in Texas and New Mexico.
• Group Insurance / Small Group Insurance Health insurance plans for employer groups and small businesses in El Paso, Texas, providing competitive group coverage options for employees.
• Dental Insurance Dental insurance coverage offered as an additional insurance product for individuals and families in the El Paso borderland region.
• Life Insurance Life insurance coverage offered as an additional insurance product for individuals and families in the El Paso borderland region.
• Funeral Insurance Funeral insurance coverage offered as an additional insurance product for end-of-life expenses for individuals and families in the El Paso borderland region.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Healthcare.com: Healthcare.com is an online health insurance comparison and enrollment platform focused on ACA and Medicare. It is comparable to BYGA's product set but competes via a self-serve digital funnel rather than licensed agent consultations.
• HealthSherpa: HealthSherpa is an ACA marketplace platform and the very provider BYGA integrates with for online Obamacare quotes. It competes indirectly by enabling consumers to enroll directly online without a local broker intermediary.

Direct peers

• eHealth: eHealth is a leading online health insurance marketplace that sells Medicare and ACA plans directly to consumers. Like BYGA, it earns commissions from carriers, but operates nationally and through a proprietary digital platform rather than a local agent model.
• GoHealth: GoHealth is a Medicare-focused health insurance broker that combines a proprietary tech platform with licensed agents to sell Medicare Advantage and Supplement plans. It is a direct competitor to BYGA's Medicare distribution business, but at national scale.
• SelectQuote: SelectQuote is a direct-to-consumer insurance broker that distributes Medicare, life, and ancillary insurance products through phone- and digital-led channels. Like BYGA, it relies on licensed agents and carrier commissions, but at materially larger scale.

Broad incumbents

• Ambetter (Centene): Ambetter is the ACA-focused brand of Centene Corporation and one of the carriers BYGA represents. It competes in the same Texas marketplace and uses its own direct-to-consumer digital funnel alongside broker channels.
• Molina Healthcare: Molina is a managed care company and government-program-focused insurer that BYGA represents for Obamacare plans. It competes as a carrier option in the same El Paso market and also sells Medicare products, making it both a partner and indirect competitor.
• Blue Cross and Blue Shield of Texas: BCBS Texas is a large incumbent health insurance carrier that operates its own captive agent network across Texas. It competes with BYGA in both the individual ACA and Medicare markets, but sells only its own products rather than across multiple carriers.

Others

• Medicare.gov: Medicare.gov is the official federal government resource for Medicare plan comparison and enrollment. BYGA explicitly directs customers to Medicare.gov for plans it does not offer, making it both a partner resource and a competitive substitute for broker-mediated enrollment.

Regional players

• Zander Insurance Group: Zander is an independent insurance agency distributing multiple lines including health, life, and disability products, similar to BYGA's multi-line independent model, but primarily serves a different regional footprint rather than directly competing in El Paso.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/elpasohealthins
• Facebookfacebook.com/elpasohealthinsurance

Compliance1 record

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 BYGA Healthcare Insurance