HealthMarkets review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

HealthMarkets is a US broker aimed at seniors, so it suits anyone who wants a guide rather than a policy of its own. It handles health, life, dental, critical illness and income protection, arranged on a monthly basis, and trades as HealthMarkets Insurance Agency, Inc.

Key facts

Best for
Seniors and anyone who wants a broker to place and explain several kinds of personal cover.
Insurance types
Health, Life, Dental, Critical-illness, Income-protection (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
HealthMarkets Insurance Agency, Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1984 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
healthmarkets.com

Apps and profiles

Elsewhere
WikidataWikipediafacebook.com

Pros and cons

Pros

  • Covers health, life and dental in one place, so health, dental and income cover can sit with a single broker
  • Built around seniors, which suits people shopping health cover for that stage of life
  • Policies run on a monthly basis and monthly payments are available, which keeps cash flow predictable
  • Support runs on phone and help centre, so a call or the help centre both work

Cons

  • A broker rather than an insurer, so the cover sits with a carrier HealthMarkets places you with
  • Support runs on phone and help centre only, with no live chat or email among them
HealthMarkets

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Seniors looking at health cover through a broker
  • People who want one adviser for health, life, dental and income protection
  • Households that prefer monthly payments over a single annual premium

Who should look elsewhere

  • People who want to hold a policy directly with an insurer rather than through a broker
  • Shoppers who want a published price before they start a conversation
  • Readers after gadget cover, as it is not among health, life and dental

How your money is protected

HealthMarkets is a broker, not an insurer, so it does not carry the risk on a policy itself. It places you with a carrier and sits between you and that insurer, which is worth understanding before you buy. Oversight in the US sits with the state insurance departments, while the policy wording, the premium and the payout sit with the carrier named on your quote.

The company behind it

The broker trades as HealthMarkets Insurance Agency, Inc. and is based in the US. It has been arranging personal cover since 1984, which gives it a long record in health and senior focused policies. Day to day help runs through phone and help centre, so you can call or use the help centre when a question comes up.

How HealthMarkets compares

Where HealthMarkets is available

Available
United States
Licence in United States
US state insurance departments, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does HealthMarkets actually sell?+

HealthMarkets is a broker, so it places cover with carriers rather than issuing it. The lines it handles are health, life and dental, which means health, life, dental, critical illness and income protection can all sit with the same adviser.

Is HealthMarkets an insurer?+

No. It is a broker, which means the policy you end up with is underwritten by a carrier HealthMarkets introduces you to. The broker advises and places the cover, while the named carrier carries the risk and pays claims.

Who regulates HealthMarkets?+

Oversight in the US sits with the state insurance departments, which examine the insurers behind the policies. Check that the carrier named on your quote is the licensed body, since the broker itself is not the risk carrier.

How are payments set up?+

Policies are arranged on a monthly basis, so payments run each month rather than as one annual sum. Monthly payments are available, which makes the cost easier to absorb alongside income.

Who is HealthMarkets built for?+

The audience is seniors, so the service is shaped around older adults and the cover that comes with that stage of life. That focus also suits anyone who wants guidance through health cover choices.

Can I get life, dental and income cover too?+

Yes. The health, life and dental list includes dental, life, critical illness and income protection alongside health, so a household can put several kinds of personal cover through one adviser.

How do I get help after I have bought something?+

Support runs through phone and help centre. You can call or work through the help centre, which suits anyone who prefers to talk a question through rather than type it.

Sources

  • healthmarkets.com checked September 26, 2026

    Backs: Licences

  • healthmarkets.com/about-us checked September 26, 2026

    Backs: Provider type, Founded, Headquarters, Legal entity, Support channels

    “HealthMarkets Insurance Agency is one of the largest independent health insurance agencies in the United States and is licensed to market and sell health insurance nationwide except in MA.”

  • healthmarkets.com/health-insurance checked September 26, 2026

    Backs: Insurance types

    “More to explore: Dental, Vision, Life products, Accident, Critical care and cancer, Hospital confinement, Disability, Long-term care, Fixed indemnity, Wellness, Final expense”

  • healthmarkets.com/health-insurance/short-term checked September 26, 2026

    Backs: Pricing model, Monthly payments

    “Choose between a single payment or monthly payment schedule”

  • healthmarkets.com/medicare checked September 26, 2026

    Backs: Audience

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

HealthMarkets

HealthMarkets

Seniors and anyone who wants a broker to place and explain several kinds of personal cover.

9.0/10See alternatives

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