Health Matters Insurance, LLC
Health Matters Insurance is a St. Louis-based Medicare insurance brokerage that guides individual consumers through Medicare Advantage, Supplement, Part D, and Marketplace plan selection via in-person workshops and licensed brokers, earning carrier commissions across 8–9 states.
- Company typePrivate
- Founded2013
- HeadquartersO'Fallon, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Health Matters Insurance, LLC does
Health Matters Insurance, LLC is a privately held, Missouri-based Medicare insurance brokerage founded in 2013, operating primarily out of O'Fallon, MO and serving the St. Louis metropolitan area with a stated footprint across 8–9 states (AL, MN, MO, IL, NC, SC, SD, TX, FL). The firm guides individual consumers — predominantly Medicare-eligible adults 65+, plus individuals between jobs, self-employed adults, and Medicare Advantage members with chronic conditions — through selection and enrollment in Medicare Parts A, B, C, and D, Medicare Supplement (Medigap) plans, Medicare Advantage, hospital indemnity insurance, ACA Marketplace plans, and short-term medical insurance. It does not charge client fees; revenue is generated entirely through carrier commissions paid by partner insurers including Aetna, Devoted, Humana, Health Spring (Cigna), and United Healthcare (the latter also via Golden Rule for short-term plans).
The company operates a service-led model with no proprietary technology platform. Operations rely on third-party tools: Calendly for appointment scheduling, HealthSherpa for ACA Marketplace quoting, and United Healthcare/UHOne for short-term insurance quoting. Its go-to-market is built around a community education engine — 20+ recurring monthly Medicare 101 and Medicare Updates workshops held at libraries and public venues across the St. Louis metro — supplemented by local news media appearances on Fox2Now, First Alert 4, and YouTube, plus a content hub including a senior discounts directory and Medicare plan options resource pages. Distribution is direct sales through a team of approximately 10 licensed Medicare brokers and specialists, supported by co-owners Amy Lombardo and Paige Miller (Lombardo).
The business has scaled to serve 1,000+ lifetime clients over 12+ years and reports $540,000 in cumulative premiums saved for clients. Multi-carrier appointments, deeper advisory on ancillary benefits (OTC allowances, healthy food benefits for dual-eligible/SNP members), and a horizontal persona mix provide some diversification, though the model is fundamentally a high-touch, locally anchored brokerage with no disclosed external funding, no proprietary tech IP, and no disclosed financials.
Health Matters Insurance, LLC firmographics
Firmographics- Name
- Health Matters Insurance, LLC
- Legal name
- Health Matters Insurance, LLC
- Website
- https://healthmattersinsurance.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Health Matters Insurance is a St. Louis-based Medicare insurance brokerage that guides individual consumers through Medicare Advantage, Supplement, Part D, and Marketplace plan selection via in-person workshops and licensed brokers, earning carrier commissions across 8–9 states.
- Ownership category
- akta.pro rank
Health Matters Insurance, LLC industry classification
Industry- Product category
- Medicare Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)
- akta.pro secondary industries
- Medicare Supplement (Medigap) (FSAIAEAG), Standalone Hospital Indemnity Insurance (FSAIAKAB), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Health Matters Insurance, LLC is headquartered
LocationHeadquarters
- HQ city
- O'Fallon
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Health Matters Insurance, LLC business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Medicare Insurance Commissions: Health Matters Insurance earns commissions from insurance carriers when clients enroll in Medicare Advantage (Part C), Medicare Supplement (Medigap), and Medicare Part D prescription drug plans. Agents are compensated by partner insurance companies including Aetna, Devoted, Humana, Health Spring (Cigna), and United Healthcare.
- Marketplace and Short-Term Insurance: The company also earns commissions on health insurance enrollments through the Affordable Care Act Marketplace and short-term medical insurance plans (through United Healthcare/Golden Rule Insurance Company) for individuals between jobs, self-employed, or seeking temporary coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Medicare Part A - Hospital Insurance |
| Subscription | Monthly | Medicare Part B - Medical Insurance |
| Subscription | Monthly | Medicare Part D - Prescription Drug Coverage |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Health Matters Insurance, LLC product offering
Product offeringCore offering
Health Matters Insurance is an independent Medicare insurance brokerage that helps individuals enroll in Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Part D prescription drug plans, ACA Marketplace coverage, and short-term medical insurance. The company is compensated through commissions paid by partner insurance carriers (Aetna, Devoted, Humana, Health Spring/Cigna, United Healthcare) and provides no-fee advisory consultations, annual enrollment reviews, and educational workshops throughout the St. Louis metropolitan area.
Product overview
Health Matters Insurance, LLC is a Medicare insurance brokerage offering Medicare insurance products (Parts A, B, D), Medicare Supplement (Medigap), Medicare Advantage plans, Hospital Indemnity Insurance, Over-the-Counter and Healthy Food Benefits, as well as non-Medicare health insurance (Marketplace and Short-Term Medical plans). The company operates as a service-based insurance agency focused on guiding St. Louis-area seniors through Medicare decisions, with no software platform or technical product offering. Their portfolio includes core Medicare products bundled with supplemental benefits, supported by educational services like Medicare 101 seminars.
Differentiator
Problem solved
Functional benefit
Products and services
- Medicare Advantage (Part C) Plan Enrollment Assistance enrolling in Medicare-approved private health plans that bundle Part A and Part B coverage, often including Part D drug coverage and additional benefits such as dental, vision, hearing, over-the-counter allowances, and transportation. Targeted at Medicare-eligible individuals in MO, AL, MN, IL, NC, SC, SD, TX, and FL.
- Medicare Supplement (Medigap) Plan Selection Guidance and enrollment support for supplemental insurance policies that cover gaps in Original Medicare, including copayments, coinsurance, and deductibles. Designed for Medicare beneficiaries who want to limit out-of-pocket costs on Original Medicare.
- Medicare Part D Prescription Drug Plan Comparison Comparison and enrollment support for Medicare Part D prescription drug plans, helping clients minimize medication costs based on their specific prescriptions and pharmacy preferences. Plans include an annual out-of-pocket spending cap of $2,100 for formulary drugs.
- Hospital Indemnity Insurance Insurance that pays cash benefits for covered hospitalizations, with optional riders for emergency room, skilled nursing, outpatient surgery, physical therapy, outpatient medications, ambulance, and cancer diagnosis. Targeted at Medicare beneficiaries seeking to reduce out-of-pocket costs from hospital stays.
- ACA Marketplace Health Insurance Enrollment Assistance enrolling in Affordable Care Act Marketplace health plans, potentially with income-based tax credits. Available without medical underwriting. Targeted at individuals and families not eligible for Medicare who need individual or family health coverage.
- Short-Term Medical Insurance Temporary health coverage underwritten by Golden Rule Insurance Company (United Healthcare), requiring health screening and suitable for individuals between jobs, self-employed, or needing interim coverage. Coverage terms range from 1 month to 3 years.
- Medicare Advisory and Annual Enrollment Review Service No-fee Medicare consultation, plan comparison, and annual enrollment review service delivered through scheduled in-person or phone appointments, supported by Calendly self-scheduling. Helps clients understand Medicare Parts A, B, C, and D, IRMAA, prescription drug coverage, and supplemental benefits, with ongoing annual reviews to optimize coverage year over year.
- Medicare 101 and Medicare Updates Educational Workshops Free public educational workshops covering Medicare Parts A, B, C, and D, eligibility requirements, enrollment deadlines, prescription drug coverage stages, and upcoming Medicare policy changes. Designed to educate prospective clients and generate enrollment consultations.
Quantifiable outcome
- $540,000 saved in premiums for clients
- +2 more outcomes
Companies that use Health Matters Insurance, LLC
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Health Matters Insurance, LLC technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Health Matters Insurance, LLC partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and supporting.
- AetnacoreInsurance carrier partner through which Health Matters offers Medicare Advantage plans. Agents earn commissions for enrollments placed with Aetna Medicare products. Clients can use Aetna OTC benefits at CVS or online.
- DevotedcoreInsurance carrier partner offering Medicare Advantage plans. Health Matters agents assist clients with Devoted plan enrollment. OTC benefits usable at CVS or online.
- HumanacoreMajor Medicare insurance carrier partner. Health Matters offers Humana Medicare Advantage and supplement plans to clients. OTC benefits utilized online.
- Health Spring (Cigna)coreMedicare insurance carrier partner offering Advantage plans. Health Matters places clients with Health Spring/Cigna products. OTC benefits accepted at CVS, Walgreens, Walmart, and Dollar General.
- United HealthcarecorePrimary insurance carrier partner. Health Matters offers United Healthcare Medicare Advantage and supplement plans. Also provides short-term medical insurance through Golden Rule Insurance Company. OTC benefits accepted at CVS, Walgreens, Walmart, Dollar General, Schnucks, Amazon, Sam's Club, Ruler, and Kroger.
- HealthSherpasupportingThird-party quoting platform used by Health Matters for ACA Marketplace plan comparisons. Linked directly from company website for clients to explore Marketplace coverage options.
- United Healthcare/UHOnesupportingThird-party quoting platform for short-term medical insurance. Health Matters links clients to UHOne (Golden Rule Insurance Company) for short-term plan exploration.
- CalendlysupportingOnline appointment scheduling platform used by Health Matters to allow clients to self-schedule introduction calls with agents.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Health Matters Insurance, LLC competitors and assessment
Company assessmentDirect peers
- eHealth: eHealth operates an online Medicare and health insurance marketplace connecting consumers with carriers. It shares the brokerage/agency revenue model with Health Matters, with multi-carrier offerings and a focus on Medicare-eligible consumers, though at a much larger digital scale.
- GoHealth: GoHealth is a Medicare-focused health insurance brokerage operating via online and telephonic enrollment channels, earning carrier commissions. It is directly comparable in product mix and revenue model but competes nationally with proprietary technology and a substantially larger agent workforce.
- Senior Market Sales: Senior Market Sales is an insurance FMO specializing in Medicare Supplement, Medicare Advantage, and senior health products, contracting with thousands of independent agents. It shares Health Matters' Medicare distribution focus and multi-carrier agency model, though it operates as a wholesale partner rather than a direct-to-consumer agency.
- Ritter Insurance Marketing: Ritter Insurance Marketing is an insurance marketing organization (IMO) supporting independent Medicare and health insurance agents with carrier appointments, training, and back-office tools. It is comparable to Health Matters as an independent Medicare distribution channel but operates at a larger multi-state scale serving hundreds of agents.
- SelectQuote: SelectQuote is a direct-to-consumer insurance brokerage that sells Medicare Advantage, Medicare Supplement, and other health insurance products via phone and digital channels. It is directly comparable to Health Matters in product offerings and revenue model (carrier commissions), but operates at much greater national scale through a centralized contact-center model.
Others
- SHIP (State Health Insurance Assistance Programs): SHIP is a federally funded, state-administered network providing free, unbiased Medicare counseling to beneficiaries. It overlaps with Health Matters' educational mission and Medicare 101-style workshops, but operates as a non-profit public service rather than a commissioned brokerage.
- HealthSherpa: HealthSherpa is a technology partner that provides Health Matters with ACA Marketplace quoting and enrollment infrastructure. While not a direct competitor, it is a key ecosystem enabler in the company's ACA product line and indicative of the broader digital insurance distribution landscape Health Matters operates within.
Broad incumbents
- Medicare.gov: Medicare.gov is the federal government's official Medicare plan finder and information portal. It is a broad incumbent in the Medicare education and plan comparison space, competing with Health Matters' educational content and comparison services, but serves consumers directly rather than through commissions.
Emerging players
- Chapter: Chapter is a modern Medicare advisory platform that combines licensed advisors with proprietary technology to help beneficiaries choose Medicare plans. It overlaps with Health Matters' advocacy/advisory approach but competes primarily through digital channels and a national, tech-enabled advisor model.
Regional players
- State Farm Insurance Agents: State Farm operates a national network of local captive insurance agents who sell Medicare Supplement and other health products alongside auto/home insurance. Comparable to Health Matters in local, in-person insurance distribution, though State Farm agents operate exclusively with State Farm products rather than offering multi-carrier comparison.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Health Matters Insurance, LLC social profiles
Digital presenceHealth Matters Insurance, LLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
Health Matters Insurance, LLC leadership team
Management profileNumber of profiles
Profiles9 records
Health Matters Insurance, LLC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Health Matters Insurance, LLC 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 Health Matters Insurance, LLC
What does Health Matters Insurance, LLC do?
Health Matters Insurance is an independent Medicare insurance brokerage that helps individuals enroll in Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Part D prescription drug plans, ACA Marketplace coverage, and short-term medical insurance. The company is compensated through commissions paid by partner insurance carriers (Aetna, Devoted, Humana, Health Spring/Cigna, United Healthcare) and provides no-fee advisory consultations, annual enrollment reviews, and educational workshops throughout the St. Louis metropolitan area.
Is Health Matters Insurance, LLC a public or private company?
Health Matters Insurance, LLC is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Health Matters Insurance, LLC founded?
Health Matters Insurance, LLC was founded in 2013. It employs 1 to 10 people.
Where is Health Matters Insurance, LLC based?
Health Matters Insurance, LLC is headquartered in O'Fallon, United States, in the North America region.
How does Health Matters Insurance, LLC make money?
Two revenue lines are on record. Medicare Insurance Commissions are the primary driver. The others are marketplace and Short-Term Insurance.
Who are Health Matters Insurance, LLC's main competitors?
Direct peers on record are eHealth, GoHealth, Senior Market Sales, Ritter Insurance Marketing and SelectQuote. Others are SHIP (State Health Insurance Assistance Programs) and HealthSherpa. Medicare.gov is listed as a broad incumbent. Chapter is listed as an emerging player. State Farm Insurance Agents is listed as a regional player.
Does Health Matters Insurance, LLC have an API?
No public API is recorded for Health Matters Insurance, LLC.
What industry is Health Matters Insurance, LLC in?
Health Matters Insurance, LLC's product category is Medicare Insurance Brokerage. Its primary akta.pro industry code is HLAEADAH, Medigap Member Support & Care Navigation (Advocacy/Concierge), with a secondary code of FSAIAEAG, Medicare Supplement (Medigap). Its NAICS code is 5242 and its SIC code is 6411.