Find a Licensed
Health Insurance Broker
Looking for a health insurance broker near me? FreedInsure is an independent, licensed health insurance brokerage serving 39 states. We compare 40+ carriers — ACA, PPO, dental, vision, life, and supplemental — at zero cost to you.
Get a Free Quote ↓What Does a Health Insurance Broker Do?
A health insurance broker is a licensed professional who works on your behalf to find, compare, and enroll you in the best health insurance plan for your specific situation. Unlike a health insurance agent who represents one carrier, an independent insurance agent or broker represents you and has access to multiple carriers and plan types.
At FreedInsure, our licensed health insurance agents compare every available option in your ZIP code — ACA Marketplace plans with income-based subsidies, PPO plans available year-round, dental and vision coverage, life insurance (term, whole, IUL, final expense), and supplemental plans like accident, critical illness, and hospital indemnity. We calculate your exact subsidy, verify your doctors are in-network, check your prescription formulary, and handle enrollment from start to finish.
Whether you’re searching for a health insurance broker near me, a life insurance broker, or a small business health insurance broker — FreedInsure handles it all under one roof with one advisor who knows your full picture.
What a Health Insurance Broker Does for You
🔍 Plan Comparison
Compare every ACA plan, PPO plan, and supplemental option available in your ZIP code. Side-by-side pricing, networks, benefits, and deductibles. No guesswork.
💰 Subsidy Calculation
Your health insurance advisor calculates your exact premium tax credit based on income, household size, and age. Many clients discover they qualify for $0 premiums.
👩⚕️ Network Verification
We check whether your doctors, specialists, and hospitals are in-network before you enroll. No surprises after the fact.
📋 Enrollment Handling
Your broker handles the entire enrollment process — Healthcare.gov applications, carrier paperwork, ID card delivery, and follow-up.
📞 Year-Round Support
Unlike Healthcare.gov’s call center, your FreedInsure advisor is available year-round for claims help, billing questions, plan changes, and annual renewal optimization.
💚 Always Free
A health insurance broker is free to use. Insurance carriers pay brokers a commission when you enroll. You pay the exact same premium whether you use a broker or go direct.
Health Insurance Broker vs Agent vs Navigator
When searching for health insurance help, you’ll encounter three types of professionals. Here’s how they differ:
| Feature | Independent Broker | Captive Agent | Navigator |
|---|---|---|---|
| Who they represent | You (the consumer) | One specific carrier | Government program |
| Carriers available | All carriers in your area | Only their carrier | ACA Marketplace only |
| Products offered | ACA, PPO, dental, vision, life, supplemental, group | Only their carrier’s plans | ACA only |
| Ongoing support | Year-round advisor | Varies | Enrollment period only |
| Cost to you | $0 (carrier-compensated) | $0 | $0 (government-funded) |
| Example | FreedInsure | Ambetter agent | Healthcare.gov navigator |
An independent health insurance broker like FreedInsure gives you the broadest access and the most unbiased comparison. A health insurance navigator only helps with ACA Marketplace plans and typically isn’t available year-round. A captive health insurance agent can only show you plans from the single carrier they represent.
Find an Insurance Broker for Your Situation
🧾 Individuals & Families
ACA with subsidies from $0/month. PPO year-round from $309. Dental, vision, supplemental add-ons. Your health insurance agent compares every option. Check eligibility →
💼 Self-Employed & Freelancers
Net Schedule C income determines your subsidy. Health insurance broker for self employed — we calculate your exact credit and handle enrollment. Self-employed options →
🏛️ Small Business Owners
Need a small business health insurance broker? Group plans, SIMERP, and ICHRA for 2–500+ employees. Cigna PPO network. 10–30% savings. Business plans →
👥 Group Health Insurance
Looking for a group health insurance broker? Traditional group plans, level-funded options, and employer contribution structures. Full administration. Group options →
💧 Life Insurance
Need a life insurance broker or life insurance agent near me? Term, whole, IUL, and final expense from 14 carriers. No medical exam options. Life insurance →
📅 Between Jobs / COBRA
Lost employer coverage? Your broker compares ACA vs COBRA vs PPO. 60-day Special Enrollment window. Save up to 80% vs COBRA. Job loss options →
Why Choose FreedInsure as Your Insurance Broker
When you search for an insurance broker near me or insurance agency near me, you’ll find dozens of options. Here’s what makes FreedInsure different from every other health insurance brokerage:
39 States, One Advisor
Licensed in 39 states. Whether you live in Texas, Florida, Georgia, New Jersey, or any of our other states — one advisor handles your entire household across state lines.
40+ Carrier Access
Ambetter, Blue Cross Blue Shield, Cigna, UnitedHealthcare, Oscar, Aetna, Molina, First Health, MetLife, and dozens more. Every major carrier compared in one call.
All Product Lines
ACA, PPO, dental, vision, life (term, whole, IUL, final expense), accident, critical illness, hospital indemnity, MEC, SIMERP, and small group. One broker, complete coverage.
10,000+ Members Served
We’ve helped over 10,000 Americans find coverage. 4.9 Google rating. Our members pay an average of under $20/month for ACA coverage after subsidies.
Licensed Health Insurance Broker in 39 States
Searching for a health insurance agent near me? FreedInsure is licensed in approximately 39 states with a concentration in Texas, Florida, Georgia, Tennessee, Mississippi, North Carolina, South Carolina, New Jersey, and surrounding markets. Our largest carrier partner is Ambetter, representing approximately 36% of our book of business.
Because we’re an independent insurance agent (not tied to one carrier), we have no incentive to steer you toward any specific plan. Your advisor recommends the best plan for your situation based on network, cost, and benefits — not carrier commissions.
Health Insurance Broker FAQ
Talk to a Licensed Insurance Broker
Get a free insurance quote from a licensed advisor. We compare health insurance plans from 40+ carriers for your ZIP code — free, 15 minutes.
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Is One Call Away.
39 states. 40+ carriers. ACA, PPO, life, dental, supplemental. Licensed advisor handles everything — free.
📞 Call (844) 788-3733