# HealthMarkets Group HealthMarkets Group is an Insurance based in North Richland Hills, United States. ## Overview - **Organization type:** Insurance - **Headquarters:** North Richland Hills, United States - **Region:** North America - **Address:** North Richland Hills, TX, United States - **Founded:** 1983 - **Assets under management:** Undisclosed - **Website:** healthmarketsinc.com - **LinkedIn:** https://www.linkedin.com/company/healthmarkets ## Regulatory record - **Reports private funds:** No ## About HealthMarkets Group is a US-based insurance company headquartered in North Richland Hills. It oversees approximately $1.3 billion in assets across three funds, primarily operating in North America. ## Sectors - Healthcare Services - InsurTech ## People - Ronald L. Jensen — Founder ## Questions ### Who owns HealthMarkets Group and how does that affect its independence? UnitedHealth Group acquired HealthMarkets' parent entity in 2019, and the firm now operates within the benefits and services segment, closely aligned with Optum. Although it is a subsidiary of the nation's largest Medicare Advantage carrier, HealthMarkets continues to distribute competing plans to comply with CMS marketing and anti-steering regulations. This creates a structurally unusual position: a captive distribution arm that must maintain enough neutrality to satisfy federal regulators while prioritizing its parent's products in permissible ways. ### Does HealthMarkets underwrite its own insurance products? No. HealthMarkets is organized as a licensed health insurance agency and technology platform, not a risk-bearing carrier. Its historical parent, UICI, operated as an underwriter before restructuring and divesting portions of its in-house insurance risk. Today, HealthMarkets places policies from external carriers, including UnitedHealthcare, Humana, Aetna, and regional plan sponsors, without bearing claims risk. ### How does HealthMarkets source customers? The firm combines an internal call center in North Richland Hills, Texas, with a nationwide field force of over 3,000 licensed agents who conduct in-person and virtual enrollment sessions. Customer acquisition relies heavily on direct response to television, digital, and mail advertising timed to the ACA Open Enrollment Period and Medicare Annual Enrollment Period. The proprietary technology platform matches incoming inquiries to coverage options using carrier rate tables and eligibility data from the federal exchange and Medicare eligibility files. ### Which insurance products does HealthMarkets distribute and which does it avoid? HealthMarkets focuses on individual and family major medical plans under the Affordable Care Act, Medicare Advantage, Medicare Supplement, and ancillary products such as dental, vision, and critical illness insurance. The firm does not meaningfully participate in group employer coverage, short-term limited-duration plans, or property and casualty insurance. Its product selection is calibrated to capture subsidized enrollment dollars, particularly from consumers eligible for premium tax credits or dual-eligible Medicare-Medicaid status. ### How does HealthMarkets get compensated? As a licensed agency, HealthMarkets earns commissions from partner carriers for each policy enrolled, with rates varying by product type, geography, and membership duration. On-exchange ACA plans generate standard monthly per-member commissions, while Medicare Advantage and Part D enrollments produce CMS-regulated initial and renewal payments. The firm does not charge consumers directly for enrollment services, and its compensation structure is disclosed to enrollees in compliance with state and federal insurance regulations. ## Related profiles - [Health Services Retirement Plan](https://altss.com/profile/health-services-retirement-plan) - [HealthPartners](https://altss.com/profile/healthpartners) --- Last updated: 2026-06-03T20:00:00.000Z Canonical page: https://altss.com/profile/healthmarkets-group Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology