Health Benefit Services

What Health Benefit Services does

Health Benefit Services LLC (HBS) is an independent insurance agency headquartered in Moon Township, Pennsylvania, in the Pittsburgh metro. Founded in 1996 and operating as a privately held LLC, the agency distributes insurance products on behalf of multiple carriers to individuals, families, and small businesses primarily within Pennsylvania. HBS runs a sales-led, agent-mediated go-to-market: customers reach the agency via phone (412-865-3200), email ([email protected]), or a website quote form, and are then serviced by named personal agents supported by product specialists and full-time support staff. The firm describes its value proposition as combining "modern technology with traditional service delivery" and offers free insurance quotes, claims assistance, and compliance support across COBRA, HIPAA, and ACA topics.

The product portfolio is organized around five core insurance lines, each with a dedicated product page on hbspa.com: Medicare (Prescription Drug Plans, Medicare Advantage, Medigap), Individual Health (ACA Marketplace and Off-Marketplace plans), Home & Auto (through Erie, Westfield, Progressive, and additional carriers), Group Products for businesses with 2–100 employees (health, vision, short- and long-term disability, dental, hearing, and group life), and Dental/Vision/Hearing (through Nationwide, Delta Dental, Careington, Renaissance, and Assurant). Marketing content on the company blog also references Life Insurance, Business Insurance, and Rental Insurance as part of the offering. The agency carries no proprietary technology platform; its primary external systems are a content-driven website, an active blog publishing educational insurance and wellness articles, and branded social accounts on Facebook, Twitter, Instagram, LinkedIn, and Pinterest. The site is powered by Iris Marketing Team.

HBS earns revenue through carrier commissions on placed policies, with no subscription or fee-based pricing disclosed publicly. The firm operates from a single office (333 Rouser Road, Building 4, Suite 401, Moon Township, PA 15108) with 1–10 employees per firmographic data. There is no evidence of external investment, parent company ownership, funding rounds, acquisitions, patents, regulatory actions, or public listing. The only named executive in the source material is managing partner Joseph Cox; the broader leadership team is not disclosed.

Name

Health Benefit Services

Legal name

Health Benefit Services LLC

Website

https://hbspa.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

Health Benefit Services LLC is an independent insurance agency based in Moon Township, Pennsylvania, representing multiple carriers across Medicare, individual health, home and auto, group benefits, and dental insurance for individuals, families, and small businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Pittsburgh

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

Revenue model

1. Insurance Agency Commissions: HBS operates as an independent insurance agency earning commissions from multiple insurance carriers including Erie, Westfield, Progressive, Nationwide, Delta Dental, Careington, Renaissance, and Assurant. The agency represents both local and national carriers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Health Benefit Services (HBS) is an independent insurance agency that represents multiple carriers (Erie, Westfield, Progressive, Nationwide, Delta Dental, Careington, Renaissance, Assurant) to provide Medicare, individual health, home and auto, dental, life, business, rental and group benefit insurance. The agency acts as an intermediary, offering personalized agent support, free quotes, and self-service options to individuals and small businesses.

Product overview

Health Benefit Services (HBS) is an independent insurance agency offering a portfolio of insurance products through multiple carriers. The company provides Medicare insurance (Prescription Drugs, Medicare Advantage, Medigap Plans), Individual Health Insurance (ACA and Off Market Place Plans), Home and Auto Insurance (through Erie, Westfield, Progressive), Group Products for businesses with 2-100 employees (Health Care, Vision, Long/Short Term Disability, Dental, Hearing, Group Life), Dental Insurance (through Careington, Delta Dental, Nationwide, Renaissance, Assurant Dental), Life Insurance, Business Insurance, and Rental Insurance. The agency serves as an intermediary, representing multiple insurance carriers to provide clients with options across health, property, casualty, and employee benefits insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Insurance Medicare-focused insurance offerings including Medicare Advantage, Medicare Supplement, and Part D prescription drug plans represented through multiple carriers. Targeted at Medicare-eligible individuals and households, with CMS-compliant marketing and sales events and personalized agent support.
• Individual Health Insurance Individual and family health insurance plans sourced from multiple top-rated carriers. Designed for individuals and families who are self-employed, between jobs, or otherwise not covered by employer group plans.
• Home and Auto Insurance Personal lines homeowners and auto insurance policies, with the ability to bundle for multi-policy discounts. Sourced from carriers including Erie, Westfield, Progressive, and Nationwide. Targeted at homeowners, drivers, and families.
• Group Products (Small Group Benefits) Group benefits packages for small employers with 2 to 100 employees, including group health, dental, vision, life, disability, and supplemental coverage. Designed to provide flexible, multi-carrier plan designs with integrated enrollment and billing.
• Dental Insurance Standalone dental insurance plans and dental discount programs offered in partnership with Delta Dental, Careington, and Renaissance. Available to individuals, families, and small groups as a complement to medical coverage.
• Life Insurance Life insurance coverage offered alongside the agency's Medicare, health, and personal lines products, sourced through carrier partners. Targeted at individuals and families seeking term or permanent life protection.
• Business Insurance Commercial insurance products for small business owners, complementing the agency's group benefits offerings. Designed to protect business operations through carrier-partnered coverage.
• Rental Insurance Rental insurance coverage offered to tenants seeking personal property and liability protection, sourced through agency carrier partners.

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and supporting.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorHome and auto insurance carrier offered through HBS agency. Part of the carrier network providing coverage options to HBS customers.
• Westfield InsurancecoreChannel Partner/ Reseller/ DistributorHome and auto insurance carrier offered through HBS agency.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorHome and auto insurance carrier offered through HBS agency.
• NationwidecoreChannel Partner/ Reseller/ DistributorDental, Vision, and Hearing insurance provider offered through HBS agency.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDental insurance provider offered through HBS agency.
• CareingtonsupportingChannel Partner/ Reseller/ DistributorDental insurance provider offered through HBS agency.
• RenaissancesupportingChannel Partner/ Reseller/ DistributorDental insurance provider offered through HBS agency.
• Assurant DentalsupportingChannel Partner/ Reseller/ DistributorDental insurance provider offered through HBS agency.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• PolicyGenius: Online insurance marketplace that brokers life, home, auto, disability, and health insurance across multiple carriers. Comparable to HBS as a multi-carrier, multi-line distribution intermediary, though delivered via digital channels rather than local agents.
• EverQuote: Online insurance marketplace connecting consumers with auto, home, and life insurance providers. Comparable as a multi-carrier insurance distribution intermediary, with overlap in HBS's home and auto lines.
• HealthCare.com: Online health insurance comparison and enrollment platform focused on ACA and Medicare products. Comparable to HBS's individual health and Medicare distribution business, with similar target customers.
• eHealth: Online health insurance marketplace specializing in Medicare, ACA, and individual/family health plan distribution. Directly comparable to HBS's Medicare and individual health insurance lines, but operating as a scaled digital platform.
• Goosehead Insurance: Independent insurance agency franchise offering home, auto, and life insurance through multiple carriers via licensed agents. Highly comparable model to HBS in that it acts as a multi-carrier intermediary delivering agent-assisted sales, though operating at significantly larger scale.
• SmartFinancial: Online insurance comparison platform offering home, auto, life, and health coverage across multiple carriers. Comparable to HBS in offering multi-line, multi-carrier insurance distribution to consumers.
• SelectQuote: Insurance distribution company focused on senior-market life and Medicare products via phone and digital channels. Comparable to HBS's Medicare-focused agent-assisted sales motion targeting similar senior demographics.

Broad incumbents

• Brown & Brown: Large diversified insurance brokerage offering commercial, personal, and employee benefits brokerage across multiple carriers. Comparable as an independent insurance intermediary, though operating at far greater scale and with broader geographic reach than HBS.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm offering commercial and employee benefits solutions. Comparable as a multi-carrier insurance intermediary, particularly in the employee benefits space that overlaps with HBS's group products offering.
• Marsh McLennan: Global professional services firm offering insurance brokerage, risk advisory, and consulting. Comparable as a large-scale insurance intermediary, with employee benefits practice overlapping HBS's group products line for small businesses.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Customer concentration

• Xtwitter.com/HBSpgh
• Facebookfacebook.com/HBSofPA
• LinkedInlinkedin.com/company/health-benefit-services-llc
• Instagraminstagram.com/healthbenefitservicesllc/?hl=en
• Pinterestpinterest.com/healthbenefitservices

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Health Benefit Services