Vivna Insurance
Vivna Insurance is a privately held, multi-carrier insurance brokerage licensed in 48 states that helps individuals, families, and small businesses compare and enroll in health, dental, vision, life, and supplemental coverage from carriers such as UnitedHealthcare, Ambetter, Oscar, Cigna, and Molina, earning carrier commissions via phone-based licensed agents.
- Company typePrivate
- Founded2019
- HeadquartersDeerfield Beach, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Vivna Insurance does
Vivna Insurance (legal entity Vivna, Inc.) is a privately held, licensed insurance brokerage founded in 2019 and headquartered in Deerfield Beach, Florida. The company operates across 48 US states and serves individuals, families, and small businesses seeking health, dental, vision, life, and supplemental insurance coverage. Its core function is multi-carrier comparison and enrollment: licensed agents (reachable via 888-730-6001 or online quote forms) review customer-specific needs including preferred doctors, medications, and budget, then guide customers to plans from appointed carriers including UnitedHealthcare, Ambetter, Oscar Health, Cigna, Molina Healthcare, and IHC Group. Product offerings span ACA Marketplace plans across metal tiers (Bronze, Silver, Gold, Platinum), off-exchange private plans, short-term and Tri-Term temporary coverage, plus ancillary lines (dental, vision, term/whole/final expense life, accident, critical illness, hospital indemnity, and disability).
The business model is commission-based: Vivna earns revenue from carrier commissions on policies sold and provides its advisory and enrollment service at no direct cost to customers. Distribution is conducted primarily through inbound phone-based inside sales supported by an SEO-driven marketing engine, which includes a 48-state landing page hub, carrier-specific pages, an educational blog authored by Michael Sprague, and an active presence across Facebook, X, YouTube, Instagram, LinkedIn, and Pinterest. The company is small, reporting 1-10 employees, with no disclosed funding rounds, no parent company, and no public financials. Strategic differentiation rests on multi-carrier breadth, free agent-led guidance, ongoing annual coverage reviews, and a national SEO footprint rather than proprietary technology.
Vivna Insurance firmographics
Firmographics- Name
- Vivna Insurance
- Legal name
- Vivna, Inc.
- Website
- https://vivna.net
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Vivna Insurance is a privately held, multi-carrier insurance brokerage licensed in 48 states that helps individuals, families, and small businesses compare and enroll in health, dental, vision, life, and supplemental coverage from carriers such as UnitedHealthcare, Ambetter, Oscar, Cigna, and Molina, earning carrier commissions via phone-based licensed agents.
- Ownership category
- akta.pro rank
Vivna Insurance industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
- akta.pro secondary industries
- Dental Insurance (FSAIAHAA), Combined Dental & Vision Insurance (FSAIAHAC)
Keywords
Where Vivna Insurance is headquartered
LocationHeadquarters
- HQ city
- Deerfield Beach
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Vivna Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Agent Commissions: Vivna Insurance earns revenue through commissions paid by insurance carriers. Licensed agents are compensated directly by carriers for enrollments, meaning customers pay no additional fees for the service. This creates a commission-based revenue model where the company earns a percentage of premiums written through their agency.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | ACA Bronze plans - lowest premium, highest out-of-pocket costs |
| Subscription | Monthly | ACA Silver plans - mid-range cost with cost-sharing reductions available |
| Subscription | Monthly | ACA Gold plans - higher premium, lower costs when using care |
| Subscription | Monthly | ACA Platinum plans - highest premium, lowest out-of-pocket expenses |
| Subscription | Monthly | Short-term medical plans - fast, flexible bridge coverage |
| Subscription | Monthly | Dental insurance add-on coverage |
| Subscription | Monthly | Vision insurance add-on coverage |
| Subscription | Monthly | Private health insurance plans - off-exchange ACA-compliant |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels6 records
Vivna Insurance product offering
Product offeringCore offering
Vivna Insurance is a licensed multi-carrier insurance brokerage that helps individuals, families, and small businesses compare and enroll in health, dental, vision, life, supplemental, short-term, and Tri-Term insurance plans from carriers including UnitedHealthcare, Ambetter, Oscar, Cigna, and Molina. Licensed agents provide personalized phone-based guidance comparing carriers on the basis of doctors, medications, and budget, with the service provided at no cost to consumers since carriers compensate agents directly through commissions. The company operates across 48 U.S. states and supports both Open Enrollment and year-round special enrollment periods.
Product overview
Vivna Insurance is a multi-carrier insurance brokerage that operates as a service platform (not a single software product) connecting consumers with insurance coverage from partnered carriers including UnitedHealthcare, Ambetter, Oscar, Cigna, and Molina. The company offers a portfolio of insurance products: Health Insurance (ACA Marketplace, private, and short-term plans), Dental Insurance, Vision Insurance, Life Insurance (term, whole life, and final expense), and Supplemental Insurance (accident, critical illness, hospital indemnity, and disability). Additional offerings include Short-Term Health Insurance and Tri-Term Health Insurance for extended temporary coverage. Vivna provides these services at no cost to consumers, earning commissions from carrier partners, and assists with plan comparison, enrollment, and ongoing support.
Differentiator
Problem solved
Functional benefit
Products and services
- Health Insurance ACA Marketplace, private, and short-term health insurance plans for individuals and families, providing coverage for primary and specialist visits, hospital services, prescription drugs, preventive care, mental health, telehealth, and pediatric and maternity care. Compared across multiple carriers via licensed agents.
- Dental Insurance Dental coverage including preventive care (cleanings, exams, X-rays), basic restorative services (fillings, extractions), major dental procedures (crowns, bridges, root canals), and optional orthodontic coverage. Available as a standalone or add-on plan.
- Vision Insurance Vision coverage for comprehensive eye exams, prescription glasses frames and lenses, contact lenses, early detection screenings for glaucoma and cataracts, and discounts on LASIK procedures. Available as add-on coverage.
- Life Insurance Life insurance policies including term life insurance for set periods, whole life insurance with permanent coverage and cash value growth, and final expense insurance for funeral costs and end-of-life expenses.
- Supplemental Insurance Supplemental insurance plans that pay cash benefits directly to policyholders for covered events including accident insurance, critical illness insurance, hospital indemnity insurance, and disability insurance.
- Short-Term Health Insurance Flexible temporary health insurance coverage available between jobs or outside Open Enrollment, with durations typically ranging from 30 to 364 days depending on state regulations. Provided through UnitedHealthcare in approved states.
- Tri-Term Health Insurance Extended bridge coverage lasting up to 36 months, available in approved states, providing longer-term temporary protection than standard short-term plans. Provided through UnitedHealthcare.
Quantifiable outcome
- Many Miami residents qualify for subsidies reducing ACA plan costs to under $50/month
- +2 more outcomes
Companies that use Vivna Insurance
Customer profileSegments3 records
Ideal customer profiles3 records
Vivna Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Vivna Insurance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered primary.
- UnitedHealthcareprimaryVivna Insurance is appointed with UnitedHealthcare to offer their health insurance plans to customers. UnitedHealthcare is described as offering nationwide networks and flexible plan options. UnitedHealthcare is also the carrier for short-term and Tri-Term plans offered through Vivna. This is a primary carrier partnership providing core health insurance products.
- Ambetter Health InsuranceprimaryVivna Insurance offers Ambetter Health Insurance plans through their brokerage. Ambetter is described as offering affordable ACA Marketplace plans with strong subsidy-eligible options and broad South Florida networks. Ambetter focuses on Marketplace-focused plans with rewards programs.
- Oscar Health InsuranceprimaryVivna Insurance is appointed to sell Oscar Health Insurance plans. Oscar is described as providing technology-driven coverage with strong telehealth offerings and easy digital access and member tools. Oscar offers tech-forward plans with 24/7 virtual care perks.
- Cigna HealthcareprimaryVivna Insurance offers Cigna Healthcare plans including health, dental, and vision coverage. Cigna is described as providing broad national network access with strong supplemental, dental, and vision options. Cigna bundles dental and vision savings with medical coverage.
- Molina HealthcareprimaryVivna Insurance is appointed to sell Molina Healthcare plans. Molina is described as offering quality ACA plans at competitive price points with value-driven care focus. Molina serves lower-income families exceptionally well and offers Medicaid and Marketplace plans.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Vivna Insurance competitors and assessment
Company assessmentDirect peers
- Healthcare.com: Online health insurance comparison and enrollment platform helping consumers compare ACA, short-term, and supplemental plans. Comparable on individual ACA focus and multi-carrier comparison; differs in being primarily digital-first rather than phone-led.
- eHealth: Public online health insurance marketplace and broker offering individual, family, and Medicare plans across major carriers. Directly comparable in multi-carrier individual ACA brokerage model, with broader Medicare and technology footprint.
- SelectQuote: Public direct-to-consumer insurance brokerage selling term life, senior health, auto, and home through phone-based agents. Most directly comparable to Vivna on inside-sales model, multi-carrier appointments, and individual/family customer base.
- GoHealth: Health insurance marketplace focused on Medicare and individual ACA plans via phone and digital channels. Comparable on multi-carrier broker model and inside-sales conversion motion, though Medicare-skewed.
- HealthMarkets: National independent health insurance broker matching individuals, families, and small businesses with plans from multiple carriers. Closely matches Vivna on multi-carrier agency model, licensed agent sales, and ACA focus.
Broad incumbents
- Oscar Health: Technology-led individual ACA and small group health insurer that distributes through brokers (including Vivna) and direct channels. Relevant as both a carrier partner and competitive threat via direct-to-consumer digital enrollment.
- Ambetter (Centene): Centene's ACA Marketplace brand, one of Vivna's primary carrier partners and a dominant Marketplace carrier. Comparable as a broad incumbent in individual ACA distribution, with direct enrollment competing against broker-led channels.
Emerging players
- Policygenius: Online insurance marketplace spanning life, disability, home, and auto with a strong content and digital application flow. Comparable as a multi-product consumer insurance intermediary, though less concentrated on health insurance.
- Stride Health: Tech-forward health insurance broker focused on gig workers, self-employed, and small businesses shopping the ACA Marketplace. Comparable on individual ACA customer base and multi-carrier positioning, with a more digital-first experience.
Others
- Healthcare.gov (CMS): Federal ACA Marketplace operated by CMS. Not a commercial peer but defines the channel Vivna sells into and competes against on direct enrollment; relevant context for broker demand drivers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Vivna Insurance social profiles
Digital presenceVivna Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vivna Insurance leadership team
Management profileNumber of profiles
Vivna Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vivna 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 Vivna Insurance
What does Vivna Insurance do?
Vivna Insurance is a licensed multi-carrier insurance brokerage that helps individuals, families, and small businesses compare and enroll in health, dental, vision, life, supplemental, short-term, and Tri-Term insurance plans from carriers including UnitedHealthcare, Ambetter, Oscar, Cigna, and Molina. Licensed agents provide personalized phone-based guidance comparing carriers on the basis of doctors, medications, and budget, with the service provided at no cost to consumers since carriers compensate agents directly through commissions. The company operates across 48 U.S. states and supports both Open Enrollment and year-round special enrollment periods.
Is Vivna Insurance a public or private company?
Vivna Insurance is a private company. It is classified as management employee owned and is currently operating.
When was Vivna Insurance founded?
Vivna Insurance was founded in 2019. It employs 1 to 10 people.
Where is Vivna Insurance based?
Vivna Insurance is headquartered in Deerfield Beach, United States, in the North America region.
How does Vivna Insurance make money?
One revenue line is on record: insurance Agent Commissions.
Who are Vivna Insurance's main competitors?
Direct peers on record are Healthcare.com, eHealth, SelectQuote, GoHealth and HealthMarkets. Broad incumbents are Oscar Health and Ambetter (Centene). Emerging players are Policygenius and Stride Health. Healthcare.gov (CMS) is listed as an others.
Does Vivna Insurance have an API?
No public API is recorded for Vivna Insurance.
What industry is Vivna Insurance in?
Vivna Insurance's product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAIAEAL, Individual Health Insurance Brokerage & Distribution, with a secondary code of FSAIAHAA, Dental Insurance. Its NAICS code is 524210 and its SIC code is 6411.