Sunshine Health Insurance

What Sunshine Health Insurance does

Sunshine Health Insurance (SHI) is a Florida-based health insurance agency founded in 2018 and headquartered at 8 Buttonwood Place, Palm Coast. The company functions as an insurance broker/agent, distributing health and life insurance products to individual consumers and small businesses exclusively within the Florida market. Its portfolio spans Medicare HMO 5-Star Plans (marketed at $0 monthly premium and $0 annual deductible), small group health plans, non-Medicare individual plans, Medicare supplement plans, standalone prescription drug plans, dental plans, and a full life insurance suite (Whole Life, Universal Life, Term Life, and Mortgage Insurance). Coverage scope includes primary care, specialist visits, hospital services, diagnostics, mental health, emergency care, and ancillary services such as dialysis and diabetic supplies.

The business model is direct-to-consumer: SHI acquires customers through its website (a basic GoDaddy Website Builder site with a quote-request form) and a single phone line, (386) 693-6517. Revenue is generated via insurance premiums and the associated commissions on policies placed with carriers; the company itself does not underwrite. There is no proprietary technology platform, no disclosed carrier partner relationships, no headcount data, no funding, no management team bios, and no enterprise customer logos available — indicating a very small, founder-operated agency. The company is privately held with no parent company, subsidiaries, or institutional investment disclosed. Operating hours are Sunday–Friday, 9am–8pm; Saturday closed.

Name

Sunshine Health Insurance

Legal name

SUNSHINE HEALTH INSURANCE

Website

https://sunshinehealthinsurance.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Sunshine Health Insurance is a Palm Coast, Florida-based independent health and life insurance agency founded in 2018, serving individual consumers and small businesses in Florida with Medicare, individual, small group, and life insurance products distributed via phone and website.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Group HMO Plans (FSAIAFAK)

akta.pro secondary industries

MA HMO Plans (HLAEACAA), Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Health insurance brokerage
• Medicare advantage plans
• Life insurance products
• Small group insurance
• Individual health coverage

Headquarters

HQ city

Palm Coast

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, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: The company earns revenue through insurance premiums paid by customers for health insurance plans (Medicare HMO, individual plans, small group plans) and life insurance products (whole life, universal life, term life, mortgage insurance). Revenue is recurring in nature as premiums are paid on an ongoing basis.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Sunshine Health Insurance is a Florida-based health insurance agency that brokers and sells Medicare HMO 5-Star Plans, individual and small group health plans, prescription drug plans, dental plans, Medicare supplement plans, and a suite of life insurance products (whole life, universal life, term life, and mortgage insurance). The company matches customers to coverage options through phone-based consultations and website quote requests, with Medicare HMO 5-Star Plans offered at $0 monthly premium and $0 annual deductible.

Product overview

Sunshine Health Insurance (SHI) is a health insurance broker offering a portfolio of health and life insurance products. The core offerings include Medicare HMO 5-Star Plans (with $0 premium and $0 deductible), Small Group Plans, Medicare Individual Plans, and Non-Medicare Individual Plans. Additional insurance products include Prescription Drug Plans, Dental Plans, and various life insurance products (Whole Life, Universal Life, Term Life, and Mortgage Insurance). The company also offers a Medicare Supplement Plan. Coverage encompasses primary care physician visits, hospital services, diagnostics, imaging, mental health services, therapy, emergency care, ambulance services, and specialty services like dialysis and diabetic supplies.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare HMO 5-Star Plans Medicare Health Maintenance Organization plans with 5-star quality ratings, offering $0 monthly premium and $0 annual deductible for Medicare-eligible beneficiaries in Florida.
• Medicare Individual Plans Individual health insurance plans for Medicare-eligible beneficiaries seeking Medicare coverage outside of the HMO 5-Star Plan offering.
• Non-Medicare Individual Plans Health insurance plans for individuals and families not eligible for Medicare, including those purchasing insurance for the first time or switching plans.
• Small Group Plans Health insurance plans designed for small businesses seeking group health insurance coverage for their employees.
• Prescription Drug Plans Standalone prescription drug coverage plans that can supplement health insurance coverage for outpatient medications.
• Dental Plans Dental insurance coverage plans offering preventive and comprehensive dental care benefits.
• Medicare Supplement Plan Additional coverage plan designed to fill gaps in Original Medicare coverage.
• Whole Life Insurance Permanent life insurance coverage that provides a guaranteed death benefit and cash value accumulation over the policyholder's lifetime.
• Universal Life Insurance Flexible premium life insurance with adjustable death benefits and cash value accumulation.
• Term Life Insurance Life insurance coverage for a specified term period with affordable premiums, providing a death benefit if the insured passes away during the term.
• Mortgage Insurance Insurance product designed to cover mortgage payments in case of the insured's death or disability.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights2 records

Broad incumbents

• Aetna: Major national health insurer offering Medicare Advantage, individual, and group plans, including HMO products. Comparable as a large carrier whose Medicare HMO plans Sunshine may broker and whose direct-to-consumer channels compete for the same seniors.
• Cigna: Large diversified insurer offering Medicare Advantage, individual health, and supplemental plans. Comparable as a national carrier operating in Florida whose product breadth overlaps with Sunshine's portfolio.
• UnitedHealthcare: Largest U.S. health insurer with a substantial Medicare Advantage footprint and broad portfolio of health, dental, and supplemental products. Comparable as a major carrier whose products Sunshine may distribute and whose scale dwarfs local brokers.
• Mutual of Omaha: Established insurer offering Medicare Supplement, life insurance, and individual health products through agents and DTC. Comparable as a multi-product carrier whose Medicare Supplement and life products overlap with Sunshine's add-on offerings.
• Humana: Major national health insurer and the largest Medicare Advantage carrier, offering HMO and PPO plans directly to consumers. Highly relevant incumbent whose Medicare HMO plans Sunshine may broker, and whose scale sets the competitive benchmark.

Direct peers

• GoHealth: Medicare-focused insurance brokerage that sells Medicare Advantage, Supplement, and Part D plans via phone and digital channels. Closely comparable to Sunshine's Medicare HMO-centric, phone-driven broker model.
• eHealth: Online health insurance marketplace and broker offering individual, Medicare, and small group plans across multiple carriers. Directly comparable to Sunshine as a multi-carrier health insurance brokerage with overlapping products and DTC digital acquisition.
• SelectQuote: Direct-to-consumer insurance brokerage selling term life, Medicare, and other coverage through phone and online channels. Comparable as a multi-product DTC insurance broker with overlapping Medicare and life offerings.

Emerging players

• Healthcare.gov: Federal ACA marketplace for individual and family health plans, including those with pre-existing conditions. Comparable as a non-Medicare individual plan distribution channel that competes with Sunshine for the same first-time buyer segment.

Regional players

• Florida Blue: Blue Cross Blue Shield affiliate serving Florida with Medicare, individual, and small group plans. Comparable as a Florida-centric health insurer competing for the same Sunshine customer base, and likely a carrier partner or competitor depending on Sunshine's appointments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat1 record

Key risks5 records

Key highlights5 records

Customer concentration

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 Sunshine Health Insurance