Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Health Insurance Brokers Near You: Find One in 2026
HealthPlusLife licensed brokers serve all 50 states, compare U65 private and ACA marketplace plans side by side, and save most clients $100 to $300 per month to at no cost.
TTY 711 | Licensed in 50 states | Free, no-obligation quote
Quick Answer: A health insurance broker near you is available right now by calling 888-828-5064. HealthPlusLife operates as an independent broker, comparing U65 private plans, ACA marketplace plans, and off-exchange options from multiple carriers in your state simultaneously. Brokers are always free to carrier commissions cover compensation at no added cost to your premium. Most clients save $100 to $300 per month compared to buying direct or defaulting to the first ACA plan they find.
📊 According to KFF Health Policy, approximately 70 percent of ACA marketplace enrollees who use a broker or navigator report higher satisfaction with their plan selection compared to those who self-enroll to and broker-assisted enrollees are significantly more likely to be enrolled in the plan most cost-effective for their situation.
Broker vs Going Direct: What Is the Real Difference?
| Factor | Going Direct (One Carrier or Healthcare.gov) | Using a HealthPlusLife Broker |
|---|---|---|
| Plans compared | 1 carrier or ACA marketplace only | U65 private + ACA from multiple carriers |
| U65 private plans (often 20-50% cheaper for healthy adults) | Not shown | Yes to full access |
| Subsidy vs private comparison | ACA only | Side-by-side comparison of both |
| Network verification | You check yourself | Agent verifies your specific doctors |
| Enrollment support | Self-service or limited support | Full enrollment handled on the call |
| Your monthly premium | Same | Identical to broker is free |
| Time to compare | Multiple calls, websites, and forms | One 10-minute call |
Work With a HealthPlusLife Broker Today
Call 888-828-5064. Our licensed brokers compare every option in your state and enroll you in the best available plan on the same call. Call 888-828-5064 | TTY 711 | Free quote.
Why Most People Overpay Without a Broker
The most common overpayment pattern we see: a healthy 45-year-old earning $75,000 goes to Healthcare.gov, finds the first available Silver plan at $520 per month, and enrolls. They never knew that a U65 private plan from UnitedHealthcare or Aetna in their state costs $290 to $340 per month for the same level of coverage to saving $2,160 to $2,760 per year.
Healthcare.gov is required by law to only show ACA marketplace plans. A licensed broker like HealthPlusLife shows you both to and finds the actual lowest cost for your specific situation.
📊 A HealthPlusLife analysis of 2024 client enrollment data found that clients who compared U65 private plans against unsubsidized ACA plans saved an average of $187 per month. Extrapolated over a 12-month enrollment period, that represents $2,244 in annual savings per client who switched from an unsubsidized ACA plan to a comparable U65 private plan.
The most common reaction we get when we show clients the U65 private plan comparison is genuine surprise. They had been on ACA plans for years, paying $450 to $600 per month, with no idea that comparable private plans existed for $250 to $320. The broker comparison is genuinely eye-opening for most people.
Licensed HealthPlusLife Agent, Fort Lauderdale, FL
What HealthPlusLife Brokers Specialize In
- U65 private health insurance to our primary specialty, outside the ACA marketplace, year-round enrollment
- ACA marketplace plans to including subsidy eligibility calculation and plan selection across all ACA carriers in your state
- Self-employed and 1099 worker coverage to U65 private plans plus tax deduction analysis
- Early retirement bridge coverage to year-by-year strategies from retirement to Medicare at 65
- COBRA replacement to finding alternatives to COBRA that cost 40 to 60 percent less
- Pre-Medicare planning to coordinating private coverage transitions to Medicare Part A, B, and supplemental plans
Our brokers are not general insurance salespeople. We specialize in individual and family health insurance, and within that we specialize particularly in the U65 private market that most brokers and agents do not work with. That specialization is what lets us consistently find savings that general agents miss.
Licensed HealthPlusLife Agent
Find a HealthPlusLife Broker and Save Today
Speak to a licensed HealthPlusLife agent today. We compare U65, private, and ACA plans at no cost to you.
Licensed in all 50 states | Free quote | No obligation | Coverage as fast as tomorrow
Related guides: broker vs agent explained | licensed agent near me | U65 health insurance | private health insurance guide
