Here 4U Insurance
Here 4U Insurance is a Florida-licensed independent insurance agency in Wesley Chapel that distributes Medicare Advantage, Medicare Supplement, dental, vision, and life insurance to primarily Florida seniors and individuals, earning revenue through carrier commissions on a consultative, phone-based sales model.
- Company typePrivate
- Founded2018
- HeadquartersWesley Chapel, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Here 4U Insurance does
Here 4U Insurance, LLC is a Florida-licensed independent insurance agency headquartered in Wesley Chapel (Tampa Bay area), founded in 2018 by Dawn Ebel. The agency represents multiple insurance carriers and distributes a broad health-and-life product suite: Medicare Advantage plans (approximately 91% of healthcare insurance business year-to-date), Medicare Supplement/Medigap policies, short-term medical and health-sharing plans, dental and vision insurance, and Term, Whole, and Final Expense life insurance. The company positions itself as a consultative, education-led advisor rather than a transactional broker, with a stated focus on helping clients — primarily Florida seniors — understand and fully utilize their plan benefits.
The agency runs a traditional sales-led distribution model centered on phone-based inside sales (prominently featuring 615-881-3778) and free website quote requests, with no proprietary technology stack, no mobile app, and no third-party agent network. Marketing is built around a corporate blog, active social media profiles (Facebook, LinkedIn, Twitter, Google My Business), and an email newsletter signup. The agency carries no patents, no disclosed partnerships or alliances, and has no institutional funding; ownership and operating control remain with founder Dawn Ebel, whose 28-30+ year background in medical billing, coding, ambulatory surgery center operations, and Medicare billing P&L forms the core of the firm's domain credibility.
Revenue is generated entirely through carrier commissions on enrolled policies (transaction-fee model), with no fees charged to consumers for quoting or consultation. Customer concentration is heavily skewed toward Florida individual seniors buying Medicare Advantage, with secondary exposure to self-employed individuals, families, and life/dental buyers. The company is privately held, Florida-domiciled, and operates with 1-10 employees.
Here 4U Insurance firmographics
Firmographics- Name
- Here 4U Insurance
- Legal name
- Here 4U Insurance, LLC.
- Website
- https://here4uinsurance.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Here 4U Insurance is a Florida-licensed independent insurance agency in Wesley Chapel that distributes Medicare Advantage, Medicare Supplement, dental, vision, and life insurance to primarily Florida seniors and individuals, earning revenue through carrier commissions on a consultative, phone-based sales model.
- Ownership category
- akta.pro rank
Here 4U Insurance industry classification
Industry- Product category
- Health Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Medicare Plan Administration & Third-Party Services (TPA/BPO, Enrollment, Billing) (FSAIAGAI)
- akta.pro secondary industries
- Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH), Medicare Dental & Vision (MA Embedded & Supplemental) (FSAIAHAJ), MA-PD Plans (Medicare Advantage with Prescription Drug Coverage) (FSAIAGAG)
Keywords
Where Here 4U Insurance is headquartered
LocationHeadquarters
- HQ city
- Wesley Chapel
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Here 4U Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Insurance Agency Commissions: Revenue generated through commissions from insurance carriers for placing customers in health, dental, vision, and life insurance plans. The company represents multiple insurance carriers and earns commissions based on enrolled policies.
- Medicare Advantage Plans: Primary revenue stream representing 91% of business YTD. Commissions from Medicare Advantage plan enrollments for seniors 65+ years old.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free quote consultation |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Here 4U Insurance product offering
Product offeringCore offering
Here 4U Insurance is a Florida-licensed insurance agency that sells Medicare Advantage plans, Medicare Supplement (Medigap) plans, individual short-term medical and health sharing policies, dental insurance, vision insurance, and life insurance products (Term, Whole, and Final Expense). The agency represents hundreds of plans from multiple carriers and earns commissions by placing individual consumers — primarily Florida seniors — into suitable health and life insurance coverage.
Product overview
Here 4U Insurance is a Florida-licensed insurance agency offering a comprehensive suite of health and life insurance products. The company operates primarily as a Medicare Advantage specialist (representing 91% of their healthcare insurance business), complemented by Medicare Supplement/Medigap plans, short-term medical policies, and health sharing plans. Their insurance portfolio also includes dental and vision coverage, as well as life insurance products spanning Term Life, Whole Life, and Final Expense/Burial policies. The company positions itself as a consultative advisor helping clients navigate the maze of healthcare insurance options.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Advantage Plans
- Medicare Supplement (Medigap)
- Short Term Medical & Health Sharing Policies
- Dental Insurance
- Vision Insurance
- Life Insurance
Quantifiable outcome
- Currently about 60% of Medicare Advantage plans cover Telehealth services
- +1 more outcomes
Companies that use Here 4U Insurance
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Here 4U Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Here 4U Insurance partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Here 4U Insurance competitors and assessment
Company assessmentDirect peers
- eHealth: Online health insurance marketplace selling Medicare, individual, and family health plans from multiple carriers. Comparable as a multi-carrier distribution platform for MA and related health products.
- HealthMarkets: Multi-carrier insurance agency distributing health, Medicare, dental, vision, and life products. Comparable in multi-product, multi-carrier agency model serving individuals and seniors.
- SelectQuote: Public, tech-enabled direct-to-consumer insurance agency with a strong Medicare Advantage focus. Comparable as a multi-carrier agency selling MA and senior health products, though at vastly larger scale.
- GoHealth: Medicare-focused health insurance marketplace and agency. Closely comparable in customer (seniors 65+) and primary product (Medicare Advantage/Supplement) focus, though at much larger scale.
- QuoteWizard (LendingTree): Insurance comparison marketplace that connects consumers with carriers and agents across multiple lines. Comparable in function as a lead-generation and distribution layer for personal insurance products.
- SmartFinancial: Online insurance comparison and brokerage platform distributing health, life, Medicare, and other personal lines. Comparable as a digital-first, multi-carrier distribution intermediary.
Broad incumbents
- Humana: Major national Medicare Advantage carrier and one of the largest MA insurers in Florida. Comparable as a counterparty that pays MA commissions to the agency, and a competitor that increasingly direct-enrolls seniors.
- Florida Blue: Florida's Blue Cross Blue Shield carrier offering Medicare Advantage, individual, and group health plans. Comparable as a Florida-anchored MA and health insurance provider, but as a carrier rather than agency.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Here 4U Insurance social profiles
Digital presenceHere 4U Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Here 4U Insurance leadership team
Management profileNumber of profiles
Profiles1 record
Here 4U Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Here 4U Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Here 4U Insurance
What does Here 4U Insurance do?
Here 4U Insurance is a Florida-licensed insurance agency that sells Medicare Advantage plans, Medicare Supplement (Medigap) plans, individual short-term medical and health sharing policies, dental insurance, vision insurance, and life insurance products (Term, Whole, and Final Expense). The agency represents hundreds of plans from multiple carriers and earns commissions by placing individual consumers — primarily Florida seniors — into suitable health and life insurance coverage.
Is Here 4U Insurance a public or private company?
Here 4U Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Here 4U Insurance founded?
Here 4U Insurance was founded in 2018. It employs 1 to 10 people.
Where is Here 4U Insurance based?
Here 4U Insurance is headquartered in Wesley Chapel, United States, in the North America region.
How does Here 4U Insurance make money?
Two revenue lines are on record. Insurance Agency Commissions are the primary driver. The others are medicare Advantage Plans.
Who are Here 4U Insurance's main competitors?
Direct peers on record are eHealth, HealthMarkets, SelectQuote, GoHealth, QuoteWizard (LendingTree) and SmartFinancial. Broad incumbents are Humana and Florida Blue.
Does Here 4U Insurance have an API?
No public API is recorded for Here 4U Insurance.
What industry is Here 4U Insurance in?
Here 4U Insurance's product category is Health Insurance. Its primary akta.pro industry code is FSAIAGAI, Medicare Plan Administration & Third-Party Services (TPA/BPO, Enrollment, Billing), with a secondary code of HLAEADAH, Medigap Member Support & Care Navigation (Advocacy/Concierge). Its NAICS code is 524210 and its SIC code is 6411.