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HealthMarkets review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

HealthMarkets is a US broker built around seniors, placing health, life, dental, critical illness and income protection cover with insurers rather than underwriting it, and it has traded since 1984. Monthly payments are available, so premiums can be spread rather than settled in one payment.

Key facts

Best for
Seniors in the US who want one adviser to place several kinds of cover.
Insurance types
Health, Life, Dental, Critical-illness, Income-protection↗
Provider type
Broker↗
Monthly payments
Yes↗
Legal entity
HealthMarkets Insurance Agency, Inc.↗
Headquarters
United States↗
Founded
1984↗
Support channels
Phone, Help-centre↗
Audience
Seniors
Pricing model
Monthly
Official website
healthmarkets.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataWikipediafacebook.com

Pros and cons

Pros

  • A broker, so policies are placed with several carriers and a second opinion comes with the search
  • Cover spans health, life and dental, letting dental and income protection sit alongside health
  • Monthly payments are available on a monthly model, which suits budgeting on a fixed income
  • Support runs on phone and help centre, so a phone line sits alongside written help

Cons

  • As a broker, the premium is set by the carrier rather than by HealthMarkets, so the same cover can cost different amounts through different advisers
  • Support runs on phone and help centre only, with no email or live chat line listed
  • The audience is seniors, so anyone buying cover for a working life rather than retirement sits outside the focus
HealthMarkets

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Seniors in the US who want health cover arranged for them rather than tracked down alone
  • People who want dental, critical illness or income protection placed next to health cover by one adviser
  • Households that prefer premiums paid monthly instead of settled in one payment

Who should look elsewhere

  • Euroasia Insurance, whose auto, home and travel range is built around auto, home, travel and gadget cover rather than senior health
  • Linxea, where life is life cover alone, with no health or dental in the range
  • Oney Préstamos ES, whose health, life and gadget mix pairs health and life with gadget cover for a wider retail audience

Safety of your money

HealthMarkets is a broker, not an insurer, so the money and the risk sit with the carrier that underwrites the policy. What the broker handles is the search: comparing what is on offer and placing the policy with a carrier that fits. Worth remembering when reading a quote, because the price is set by the insurer behind it.

Who runs it

The company trades as HealthMarkets Insurance Agency, Inc., a broker based in the US and founded in 1984. Support runs on phone and help centre, so a phone line and a self service help centre are both listed. A trading history going back to that founding year is useful context for cover meant to last.

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

Who does HealthMarkets set up cover for?+

The audience is seniors, and the company is a broker rather than an insurer. The range covers health, life and dental, so health cover can be placed alongside life, dental, critical illness and income protection. The broker does the comparing and placement, and the carrier named on the policy carries the risk.

What kinds of insurance can I get?+

Health, life, dental, critical illness and income protection all sit inside health, life and dental. Health is the anchor for most of the audience, and the extras cover the parts a basic health policy leaves out, such as dental work or income lost during illness. As a broker, HealthMarkets places them with different carriers.

Can I pay for the cover monthly?+

Yes, monthly payments are available and the payment model is monthly. For someone on a fixed pension that keeps the year easier to budget, since the premium is spread out instead of paid in one large sum. It is also the fit where a policy may be reviewed inside a year.

Who regulates HealthMarkets?+

The agency is licensed in the US by the state insurance departments, and it trades as HealthMarkets Insurance Agency, Inc., based in the United States. Licensing sits with individual states rather than a single national body, so the state a policy is written in is worth checking before you buy.

How do I get help once a policy is running?+

Support runs on phone and help centre, which lists a phone line and a help centre. For a broker serving seniors the phone route carries most of the weight, since questions about a claim or an enrolment are easier to talk through than to type. Between them, the two channels cover conversation and self service.

How much does the cover cost?+

Price depends on the carrier and the product rather than on the broker. As a benchmark, the starting premium in the health insurance ranking is €9.14, and a senior's own quote will sit above or below that depending on age, health and the cover chosen.

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 in the US who want one adviser to place several kinds of cover.

9.0/10See alternatives