Healthcare Insurance Solutions

What Healthcare Insurance Solutions does

Healthcare Insurance Solutions (legal entity Healthcare Exchange Solutions, Inc.) is a privately held, veteran-owned insurance agency founded in 2018 by Christopher Soto, a former U.S. Navy hospital corpsman, and headquartered at 4160 Temescal Canyon Rd, Corona, California. The company operates as a licensed broker/agency representing multiple insurance carriers — Blue Shield of California, Health Net, Kaiser Permanente, Oscar, and Sharp Health Plan for medical coverage, over a dozen A+ rated life insurers, and additional dental and vision carriers — and is an authorized Covered California agency for both individual ACA and Covered California for Small Business.

The agency sells an eight-line product portfolio: Medicare Supplement/Medigap and Medicare Advantage plans; under-65 individual health insurance across HMO/PPO and Bronze/Silver/Gold/Platinum tiers; life insurance; dental (up to $10,000 comprehensive); vision; group insurance; supplemental disability; and small business insurance for employers with up to 100 employees. Revenue is generated entirely from carrier commissions on policies placed, with no disclosed subscription, fee, or technology revenue. Pricing is quote-based and varies by age, health status, household size, income (for ACA subsidies), coverage type, and metal tier; billing is monthly at the carrier level.

The company has no proprietary technology, no API, no mobile app, and no AI capabilities documented. Distribution is sales-led via phone consultations (888-493-4005, M-F 9am-5pm PST), website appointment booking, multi-channel social media (LinkedIn, Facebook, Instagram, X, YouTube), SMS reminders, and referral/review solicitation. The team is small (Founder/CEO, Agency Manager, four named licensed brokers in CA, FL, and IL, and a CSR) with an active 'Become an Agent' recruitment page indicating a downline-agent growth model. Geographic focus is California-centric, with remote licensed brokers extending reach into Florida and Illinois.

Name

Healthcare Insurance Solutions

Legal name

Healthcare Exchange Solutions, Inc.

Website

https://healthcareinsurancesolutions.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Veteran-owned California insurance agency selling Medicare, individual health, life, dental, vision, group, and small business insurance as a broker for multiple carriers via phone and website-based licensed-agent consultations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro industry

PRIMARYFSAIAEAG

Medicare Supplement (Medigap)

Financial & Insurance/Insurance — Life & Health/Individual Health Insurance

SECONDARYFSAIAFAD

Small Group Health Insurance (2–50/100)

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

Keywords

• Health insurance brokerage
• Medicare plan guidance
• Small business group benefits
• Life insurance agency
• Covered California agency

Headquarters

HQ city

Corona

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Commissions: As an insurance agency/broker, Healthcare Insurance Solutions earns commissions from insurance carriers for policies sold. They represent multiple insurance companies including Blue Shield of California, Health Net, Kaiser Permanente, Oscar, Sharp Health Plan, and various life insurance companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Healthcare Insurance Solutions is a veteran-owned, family-operated insurance agency/brokerage that sells Medicare, health, life, business, dental, vision, group, and supplemental insurance policies on behalf of multiple carriers. The agency provides personalized, step-by-step guidance through licensed insurance agents and earns commissions from the carriers it represents, including Blue Shield of California, Health Net, Kaiser Permanente, Oscar, Sharp Health Plan, and over a dozen A+ rated life insurance companies.

Product overview

Healthcare Insurance Solutions is a veteran-owned insurance agency that offers a portfolio of insurance products and services. The company provides Medicare (Supplement/Medigap and Medicare Advantage plans), Health Insurance (HMO/PPO with metal tiers), Life Insurance, Business Insurance through Covered California for Small Business, Dental Insurance, Vision Insurance, Group Insurance, and Supplemental Insurance. The company operates as a broker/agency representing multiple insurance carriers to help individuals and businesses find coverage tailored to their needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Medicare Insurance Medicare plans for individuals turning 65 or eligible for Medicare, including Medicare Supplement/Medigap and Medicare Advantage plans with options for prescription drug coverage, vision care, dental care, hearing aids, and wellness programs. Sold on behalf of multiple carriers via licensed agent consultation.
• Health Insurance (Individual/Family) Health coverage for individuals under 65, available through HMO and PPO plans across Bronze, Silver, Gold, and Platinum metal tiers with subsidies for qualifying households. Sold through Covered California marketplace partnerships.
• Life Insurance Life insurance from over a dozen A+ rated insurance companies offering coverage to fit various needs and budgets, including short-term and long-term financial planning options.
• Business Insurance (Covered California for Small Business) Business insurance solutions through Covered California for Small Business for employers with up to 100 employees, including group health, dental, and vision options from carriers like Blue Shield of California, Health Net, Kaiser Permanente, Oscar, and Sharp Health Plan.
• Dental Insurance Dental coverage including fee schedule, PPO, and DHMO plans covering up to $10,000 in comprehensive coverage including implants, root canals, dentures, and fillings.
• Vision Insurance Vision coverage providing frame and contact lens allowances, low exam copays, and affordable plans for individuals and families.
• Group Insurance Group insurance benefits for businesses to help attract and retain quality talent, including customizable health, dental, and vision options with potential business tax advantages.
• Supplemental Insurance Coverage for short/long term disability and high medical out-of-pocket costs, providing financial protection and assistance with healthcare expenses.

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered minor and core.

• Omni Horizons AiminorStrategic or Co-development PartnerStrategic partnership with Omni Horizons Ai offering turnkey business solutions including CRM, Reputation Management, Websites, Lead Generation, Funnels, and POS capabilities for businesses of all sizes.
• Blue Shield of CaliforniacoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing HMO and PPO health plans through Covered California for Small Business offerings.
• Health NetcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing HMO and PPO health plans through Covered California for Small Business offerings.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing HMO and PPO health plans through Covered California for Small Business offerings.
• Oscar HealthcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing HMO and PPO health plans through Covered California for Small Business offerings.
• Sharp Health PlancoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing HMO and PPO health plans through Covered California for Small Business offerings.
• Covered CaliforniacoreChannel Partner/ Reseller/ DistributorCalifornia's official health insurance marketplace. Healthcare Insurance Solutions is an authorized Covered California agency, providing access to individual and small business health insurance plans with broadest network of physicians and hospitals in California.

Scale indicators1 record

Recent moves1 record

Expansion highlights6 records

Direct peers

• SelectQuote: SelectQuote is a multi-carrier brokerage distributing life, health, Medicare, and supplemental insurance via telephonic and digital channels. Directly comparable on the multi-line, multi-carrier agency model with emphasis on senior and family demographics.
• Healthcare.com: Healthcare.com is an online health insurance marketplace for individual, family, Medicare, and small-business coverage. Comparable to Healthcare Insurance Solutions as a multi-carrier distribution intermediary targeting overlapping ACA and Medicare buyer segments.
• eHealth: eHealth operates an online health insurance marketplace that connects individuals, families, and small businesses with carriers across Medicare, ACA, and ancillary products. Direct competitor to Healthcare Insurance Solutions in the multi-carrier brokerage and Medicare/ACA space, differentiated by scale and digital-first model.
• PolicyGenius: PolicyGenius is an online insurance marketplace focused on life, disability, and supplemental coverage, with growing Medicare distribution. Direct comparable as a multi-carrier broker targeting similar cross-sell use cases (life + ancillary + Medicare).
• GoHealth: GoHealth is a health insurance marketplace specializing in Medicare Advantage, Medicare Supplement, and ACA plans via licensed agents and digital channels. Direct peer given overlapping Medicare-led product mix and licensed-agent brokerage model serving a similar senior demographic.
• HealthMarkets: HealthMarkets operates a multi-carrier insurance agency distributing health, Medicare, life, dental, vision, and supplemental coverage through licensed agents across multiple states. Closely mirrors Healthcare Insurance Solutions' multi-product, agent-led distribution model.

Broad incumbents

• Humana: Humana is one of the largest US Medicare Advantage carriers with significant Medicare Supplement and Part D distribution via agents. Relevant incumbent as a Medicare-focused carrier that Healthcare Insurance Solutions could represent or compete against for senior customers.
• Cigna: Cigna is a national health carrier offering individual, employer, Medicare Advantage/Supplement, and supplemental products via direct and broker channels. Comparable as a major carrier whose California plans are placed through brokerages including Healthcare Insurance Solutions.
• Anthem Blue Cross Blue Shield: Anthem is a major multi-state health insurance carrier offering ACA, Medicare Advantage/Supplement, employer, and dental plans through direct and broker channels. Comparable as a broad incumbent whose products Healthcare Insurance Solutions distributes and competes against in California.
• UnitedHealthcare: UnitedHealthcare is the largest US health insurer with major Medicare Advantage, Medicare Supplement, employer, and ACA footprints distributed through agents and direct. Relevant incumbent as a dominant California Medicare competitor and potential broker partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HealthCareIns1
• Facebookfacebook.com/HealthCareIns1
• LinkedInlinkedin.com/company/healthcare-insurance-solutions
• Instagraminstagram.com/healthcareinsurancesolutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Healthcare Insurance Solutions