Health Benefits Connect

What Health Benefits Connect does

Health Benefits Connect, LLC is an online health insurance brokerage headquartered in the Denver Tech Center area of Colorado, operating as a licensed agency (Colorado License No. 499830) with active broker appointments in 26 U.S. states. The company operates a proprietary Health Insurance Marketplace web platform that aggregates quoting engines from multiple A-rated carriers including Everest Reinsurance, UnitedHealthcare/Golden Rule, National General (an Allstate company), Pivot Health, IHC Group, and Redirect Health, enabling consumers to search, compare, and apply for short-term health insurance, hospital indemnity plans, dental insurance, vision insurance, and supplemental health benefits. The technology combines digital self-serve quoting and application submission with SSL-encrypted data transmission and human agent support delivered via phone (866-966-9868), virtual meetings, and a Bookafy-powered scheduling system.

The company is structured as a private LLC with no disclosed institutional investors, parent company, or public listing. Revenue is generated through commissions paid by carrier partners on successfully placed policies (affiliate/referral model), with an additional AgentConnect channel allowing external licensed agents to leverage HBC's carrier partnerships and quoting tools. The company employs 11-50 people and targets consumer segments underserved by ACA marketplace plans: individuals and families without employer coverage, self-employed and 1099 workers, college students and young adults, early retirees and pre-Medicare adults, and small business owners. Marketing is digital-first, centered on the proprietary marketplace site with supporting content (Health Insurance Help Center), SEO, social media presence on Facebook/Twitter/YouTube, email, and earned media placements including a KDVR (Fox 31 Denver) news segment. Customer testimonials and eight-year client relationships suggest modest but durable traction in the long-tail individual consumer segment, though no revenue, policy volume, or transaction data is publicly disclosed.

Name

Health Benefits Connect

Legal name

Health Benefits Connect, LLC

Website

https://healthbenefitsconnect.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Health Benefits Connect is a private online health insurance brokerage operating across 26 U.S. states, offering short-term, hospital indemnity, dental, vision, and supplemental insurance through a proprietary digital marketplace supported by licensed agents.

Ownership category

akta.pro rank

Product category

Health Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Eligibility, Enrollment & Benefits Administration (HLAEALAH)

Keywords

• Health insurance brokerage
• Online insurance marketplace
• Short term health insurance
• Supplemental insurance products
• Insurance agent services

Headquarters

HQ city

Englewood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Health Benefits Connect operates as a licensed insurance brokerage/agency earning commissions from insurance carriers for policies placed. The company is appointed with A-rated health insurance carriers and earns compensation when consumers purchase short term health insurance, hospital indemnity plans, dental, vision, or supplemental insurance through its marketplace. Commissions are paid by carrier partners (Everest Reinsurance, UnitedHealthcare/Golden Rule, National General, Pivot Health, IHC Group, Redirect Health) on successful policy activations.
2. Agent Referral / AgentConnect Platform: The AgentConnect platform connects agents to the company's marketplace tools and carrier partnerships, generating referral-based revenue when agents bring clients through the platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Health Benefits Connect is a licensed online health insurance brokerage that operates a proprietary Health Insurance Marketplace platform, enabling consumers to search, compare, and apply for short term health insurance, hospital indemnity, dental, vision, and supplemental insurance products from multiple A-rated carriers. The company is appointed with carriers including Everest Reinsurance, UnitedHealthcare/Golden Rule, National General, Pivot Health, IHC Group, and Redirect Health, and supports its digital marketplace with licensed agent consultation via phone and virtual appointments. Services are available year-round without enrollment period restrictions across 26 U.S. states.

Product overview

Health Benefits Connect operates as an online health insurance brokerage offering a proprietary Health Insurance Marketplace platform. The portfolio includes Short Term Health Insurance (Everest Flex Term, United Healthcare, National General, Pivot Health, IHC Group, Redirect Health), Hospital Indemnity Plans (NatGen Access, UHC HealthProtector, IHC Care Access), Dental Insurance (DenteMax, GoldenRule Dental, NatGen Dental), Vision Insurance (VSP), Medicare Supplements, and supplemental health benefits including telemedicine. Additional platforms include AgentConnect for insurance agents and a Client Portal for existing clients. The company also provides educational resources including a Health Insurance Help Center with glossary and FAQ.

Differentiator

Problem solved

Functional benefit

Products and services

• Health Insurance Marketplace Proprietary online Health Insurance Marketplace platform that aggregates multiple health insurance carriers and plan types, enabling consumers to search, compare, find, and apply for short term health insurance, hospital indemnity, dental, vision, and supplemental insurance products from A-rated carriers. Provides real-time quoting from carriers including Everest, UnitedHealthcare, National General, Pivot Health, IHC Group, and Redirect Health.
• Short Term Health Insurance Plans Major medical insurance plans covering individuals for 30 days up to 3 years. Covers hospital stays, doctor visits, specialist visits, x-rays, and other procedures. Available year-round without enrollment period restrictions. Coverage can start as soon as the next day after application approval.
• Hospital Indemnity Plans Fixed indemnity plans offering first-dollar coverage for hospital and doctor benefits. Pays a set fee directly to the policyholder or designated provider for covered medical events. Includes NatGen Access, UHC HealthProtector, and IHC Care Access plans.
• Dental Insurance Dental coverage including preventive care (exams, x-rays, cleanings), fillings, extractions, root canals, crowns, and orthodontics. Includes DenteMax, GoldenRule Dental, and NatGen Dental plans. No underwriting required and offers guaranteed approval.
• Vision Insurance Individual vision plans through VSP providing coverage for eye exams, eyewear, and eye care with access to an extensive network of eye doctors. Plans include annual eye exams, frames, and lens enhancements with hundreds of frame brand options.
• Supplemental Health Benefits Plans Supplemental insurance including critical illness and accident insurance, hospital indemnity, dental, vision, and non-insurance products such as telemedicine and pharmacy benefits. Designed to complement major medical coverage.
• AgentConnect Platform Platform for licensed insurance agents/brokers to access Health Benefits Connect's carrier partnerships, quoting tools, and marketplace infrastructure, enabling agents to serve their own clients using HBC's platform and carrier relationships. Generates referral-based revenue when agents bring clients through the platform.

Quantifiable outcome

• Short term health insurance coverage can start as soon as the next day after application approval
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered core, secondary and minor.

• Everest Reinsurance CompanycoreTechnology or IntegrationEverest Reinsurance Company underwrites the Everest Flex Term short term health insurance plan, ranked #1 on HBC's list of top short term health insurance plans. Everest is rated A+ Superior by A.M. Best and has been a global leader in reinsurance and insurance products for over 40 years. Policies are administered by InsuranceTPA.com. HBC offers Everest Flex Term plans through its marketplace with features including $50 doctor copays, month-to-month terms, and PHCS/Multiplan network access.
• UnitedHealthcare / Golden Rule Insurance CompanycoreTechnology or IntegrationUnitedHealthcare branded individual insurance products are underwritten by Golden Rule Insurance Company (rated A+ Superior by A.M. Best). UnitedHealthcare has served health insurance needs of individuals and families since 1946 and offers short term health insurance, dental, vision, hospital indemnity, and supplemental plans through HBC's marketplace. Plans feature the large United Healthcare Choice PPO network with flexible terms up to 3 years.
• National General Holdings Corp. (Allstate)coreTechnology or IntegrationNational General (acquired by Allstate in January 2021 for $4 billion) underwrites short term health insurance and supplemental products through National General Accident & Health (underwriting companies rated A- Excellent by A.M. Best). HBC offers National General short term medical, hospital indemnity, and dental plans through its marketplace. Plans use the Aetna Open Choice PPO network and include catastrophic plans and supplemental combo options.
• Pivot Health (Healthcare.com)secondaryTechnology or IntegrationPivot Health is a division of Healthcare.com, a technology-enabled health insurance solutions company backed by investors including AXIS Capital, CNO Financial Group, Second Alpha, Link Ventures, and others. Pivot Health offers low-premium short term health insurance plans with an online quote engine, telemedicine included on all plans, and a mobile app. Plans use open network (Reference Based Pricing) or Cigna PPO depending on plan option. Rated 'Excellent' on Trustpilot. Policies administered by Insurance Benefit Administrators.
• The IHC Group (Independence Holding Company)secondaryTechnology or IntegrationThe IHC Group (NYSE: IHC), distributing Medicare, life, under age 65 health, and other insurance products for over 35 years, offers short term medical plans through HBC's marketplace. The Connect Plus Short Term Medical plan notably offers coverage for pre-existing conditions, a unique advantage. Plans use an open network (Reference Based Pricing) model. Administered by The Loomis Company.
• Redirect HealthsecondaryTechnology or IntegrationRedirect Health (founded in 1997 by medical doctors) offers the iEverydayCARE health share plan through HBC's marketplace as a bonus option. This plan has no medical underwriting and includes $0-$50 doctor copays, prescription coverage, and month-to-month terms. The medical cost share risk pool is managed by Newpath Medical Inc. Not insurance but a health share program utilizing the Multiplan PHCS Practitioner network.
• VSP VisionsecondaryTechnology or IntegrationVSP Vision (individual vision plans) is offered through HBC's marketplace. VSP provides access to an extensive network of eye doctors with savings on eyewear and eye care. Plans include annual eye exams, frames, and lens enhancements with hundreds of frame brand options.
• DenteMaxsecondaryTechnology or IntegrationDenteMax is a dental network offered through HBC's marketplace, providing members access to over 156,000 credentialed dental access points with savings of 20-50% on most dental procedures, including a complete specialty network.
• Healtheplans.com / Assurance Health PlansminorGTM or Marketing PartnerHealtheplans.com (operated as EZnetsurance.com) is an affiliate company that may serve as the administrator for selected plans or perform customer support and marketing services related to health insurance. Assurance Health Plans may administer selected insurance plans.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• PolicyGenius: PolicyGenius is an online insurance marketplace offering life, disability, home, auto, and health insurance comparison. While broader than HBC's health-only focus, it competes for the same D2C customer seeking to compare and purchase insurance online with expert support.
• QuoteWizard (by LendingTree): QuoteWizard, owned by LendingTree, is an online insurance comparison marketplace connecting consumers with carriers and agents across multiple insurance lines including health. It overlaps with HBC in the online insurance shopping and lead-generation model.
• Lemonade: Lemonade is a digitally native insurance carrier offering health, renters, and other lines through an app-based experience. While primarily a carrier rather than a broker, it represents an emerging digital-first competitor targeting the same younger, online-first consumer base HBC serves.

Direct peers

• Healthcare.com (Pivot Health): Healthcare.com is the parent of Pivot Health, which is already an HBC carrier partner offering short-term health plans. It is a technology-enabled health insurance solutions company that competes directly in the online non-ACA brokerage space.
• HealthSherpa: HealthSherpa is an ACA-focused online health insurance marketplace that helps consumers enroll in marketplace plans with agent support. It is a direct competitor in the online health insurance brokerage category, though primarily focused on ACA plans rather than non-ACA short-term products.
• eHealth: eHealth is one of the largest online health insurance marketplaces in the US, offering individual, family, Medicare, and short-term health plans through a digital platform. It directly competes with HBC in the same D2C online brokerage category, aggregating multiple carriers and employing licensed agents for assisted sales.
• GoHealth: GoHealth operates a leading online Medicare-focused health insurance marketplace with licensed agent support. It is a comparable online brokerage model targeting individuals seeking health coverage, with similar carrier-commission revenue and high-touch agent-assisted closing motion.
• HealthMarkets: HealthMarkets is an online and agent-supported insurance brokerage helping individuals, families, and small businesses compare and purchase health insurance plans from multiple carriers. It competes directly with HBC in the individual/family D2C health insurance brokerage space.
• SelectQuote: SelectQuote is an online insurance comparison platform specializing in life, auto, home, and health insurance with a strong focus on Medicare and senior-market products. It shares HBC's online brokerage model, multi-carrier aggregation, and licensed agent-assisted sales motion.

Others

• Surefyre (now Paperless Workflow): Surefyre provides digital workflow and consumer engagement technology for insurance agents and agencies. While not a direct brokerage competitor, it is an ecosystem enabler in the same online health insurance distribution space HBC occupies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/connectbenefits
• YouTubeyoutube.com/channel/UCrXUNpwJ3OPrfSgNgk0dJ1w
• Facebookfacebook.com/healthbenefitsconnect
• LinkedInlinkedin.com/company/health-benefits-connect

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 Benefits Connect