What is the worst-case scenario for not having health insurance in place? Medical bills caused 62.1% of bankruptcy in the US. And half of the people lost their homes in the US because of costly medical bills. Shocking, right?
In general, the commission for health insurance affiliate programs can range from $10-$160 per successful application. Product offerings include individual and family health insurance, small business insurance, short-term insurance, international health insurance, dental care, vision care, and the like.
If you think it’s a good idea to help people stay healthy, pay their medical bills, save their homes and avoid falling into financial turmoil, you should consider promoting health insurance.
Top high-paying health insurance affiliate programs
Here’s a list of eight health insurance affiliate programs with some of the highest commission payout in the market.
Most of them are insurance marketplace where a prospective customer can compare quotes and policy details from different carriers, and apply directly through the platforms.
Alfac is the only insurer on the list that pays a commission per lead. The rest of the programs will only pay a commission for a successful sale.
The offerings from DentalPlan.com and Careington Dental are not insurance coverage, but they are discount plans that users can use their networks of medical or wellness services at a discounted price.
And for each program, I will highlight why you should promote it with their unique selling points, along with the amount of commission per sale for your consideration.
| Advertisers |
Commission per sale |
Cookies duration (days) |
|
$80 |
120 |
|
|
$50-$162 |
30 |
|
|
$10-$75 |
120 |
|
|
$16 (per lead) |
30 |
|
|
25% |
N/A |
|
|
10%-30% |
N/A |
|
|
$50 |
30 |
|
|
24% |
45 |
NewPlanOptions
Commission: $80 per sale
Cookie duration: 120 days
NewPlanOptions is an insurance comparison website for consumers to purchase newly approved health plan options. They feature traditional health insurance plans (ACA), Medicare Supplements, dental plans, short-term plans, and business health plan options.
The site is run by CMS Insurance Agency and they are licensed in 45 states.
Why you should promote it:
- Expert in health insurance since 1985
- One-stop solution for price and coverage comparison across multiple carriers
- Excellent customer support with online chat, email, and telephone support from licensed health insurance agents
URL: NewPlanOptions Affiliate Program (via FelxOffers)
AgileHealthInsurance
Commission: $50-$162 per sale
Cookie duration: 30 days
AgileHealthInsurance is a licensed insurance agency and this website is a unique online platform to compare private health plan options that do not feature on the health insurance marketplace.
Why you should promote it:
- Suitable for anyone who falls outside an Annual Enrollment Period for major medical insurance, or people who cannot access health insurance, such as student, part-timer, freelancers, or those who are in between jobs.
- Price typically 50% cheaper than Obamacare. AgileHealthInsurance guarantees the lowest price available on short-term health insurance plans
- Over 5,000 short-term health insurance plans are available.
URL: AgileHealthInsurance Affiliate Program (via FlexOffers)
eHealth
Commission: $10-75 per sale
Cookie duration: 120 days
eHealth is a popular online health insurance aggregator with 180+ health insurance carriers and offers 10,000+ health insurance products onboard. Their website makes it easy for consumers to view quotes, compare plans side-by-side and apply for health insurance online.
Why you should promote it:
- Full range of health insurance products for Medicare, individual and family health insurance, small business insurance, short-term insurance, dental care, vision care, and more.
- One-stop solution for price and coverage comparison across multiple carriers
- 24/7 support with online chat, email, and telephone support from licensed health insurance agents
URL: eHealth Affiliate Program (via CJ.com)
Alfac
Commission: $16 per lead
Cookie duration: 30 days
Alfac is a Fortune 500 company with more than 65 years of experience in the insurance market. Its product offerings include accident insurance, life insurance, cancer insurance, critical illness insurance, dental insurance and more.
The majority of Aflac’s business runs through employers. Some plans are also available for direct purchase from individuals as well.
Why you should promote it:
- A reputable brand with A+ ratings by both the BBB and AM Best
- Leader in supplemental insurance (e.g. cancer and critical illness insurance)
- Offers a “One Day Pay” promise for certain individual claims
URL: Aflac Affiliate Program (via CJ.com)
CoverPlus
Commission: 25% per lead
Cookie duration: N/A
CoverPlusHealth is an independent marketplace operated by insurance broker Health Plans Direct, Inc. Product. Their offerings include short-term health insurance, limited benefit medical plan, ACA Enrollment, gap health insurance, and dental insurance.
Why you should promote it:
- One-stop solution for price and coverage comparison across multiple carriers
- Easy online application
URL: CoverPlus Health Affiliate Program (via ShareAsale.com)
InternationalInsurance.com
Commission: 10%-30% per sale
Cookie duration: N/A
Operated by International Citizens Insurance, a licensed insurance agency, InternationalInsurance.com is an online marketplace specialized in international health insurance, travel medical insurance, group insurance and travel insurance policies for individuals and businesses from all around the world.
Why you should promote it:
- Simple online quotation and application
- 24/7 phone support
- Team of experts in the field of global insurance to meet the specific needs of expats, nomads, and international citizens living or traveling abroad
URL: InternationalInsurance.com Affiliate Program
DentalPlans.com
Commission: $50 per sale
Cookie duration: 30 days
Founded in 1999, DentalPlans.com is the leading online marketplace for discount dental plans, an alternative to dental insurance for families and individuals. DentalPlans.com is one of the top 500 best-performing programs in CJ.
Why you should promote it:
- Choose from 30+ different plans from well-known healthcare brands
- Customer can save 10-60% on their dental bill
- Plans cover more than 140,000 dentists nationwide.
URL: DentalPlan.com Affiliate Program (via CJ.com)
Careington
Commission: 24% per sale
Cookie duration: 45 days
Careington International Corporation is one of the largest suppliers of dental, vision, and lifestyle discount plans in the US. The company has been helping people save money and have access to high-quality dental care, vision care, and more for decades.
Why you should promote it:
- Offers 24/7 access to doctors for non-emergency illnesses and general care with no consult fees.
- Affordable pricing (Careington Care 500 Series Plan starts from $99 per year)
- 100,000+ dentists nationwide
URL: Careington Affiliate Program (via ShareAsale.com)
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Share A Sale is a popular affiliate network with some high-paying advertisers in the insurance niche including Newplanoptions.com ($80 per sale) and Sproutt ($60 per sale). Click here to join as a publisher. |
Who could promote health insurance online?
Alright, now that you’ve got a good idea of how much you can earn promoting health insurance online. But is it really for you? Let’s see who will get it right:
Anyone in the health or fitness-related niche: If you already have a group of health-conscious followers, they will need advice on health insurance. And why not leverage this relationship you already have and create a new stream of income with health insurance?
Anyone in the personal finance or money-saving niche: At the end of the day, health insurance is an investment to save future expenses on costly medical bills. As we mentioned earlier medical bill can cost people’s home. Promoting health insurance fit perfectly in your niche as long as you can teach people how to save more money with it.
Insurance agents/brokers or marketers: Whether your expertise is in health insurance or not, your knowledge and background in the insurance industry will better differentiate yourself. It will be a no-brainer for you to explain the fine prints and jargons to help your prospects to make better decisions when choosing the right coverage.
Further questions
How much is health insurance?
In 2019, the average annual premiums are $7,188 for single coverage and $20,576 for family coverage.
The average premium for single coverage increased by 4% since 2018 and the average premium for family coverage increased by 5%.
The average family premium has increased 54% since 2009. (KFF)
Public vs private insurance?
Public insurance is a program run by U.S. state or federal governments in which people have some or all of their healthcare costs paid for by the government. The two main types of public health insurance are Medicare and Medicaid.
Private health insurance refers to any health insurance coverage that is offered by a private entity instead of a state or federal government. Insurance brokers and companies both fall into this category. (eHealth)
About 156,199,800 Americans, or 49 percent of the country’s total population, receive private insurance through their employers also know as group plans. (KFF)
What happens if you don’t have health insurance?
In some states, you may have to pay a penalty for not having health insurance when you file your income tax return in 2021.
Without health insurance, you may get charged much more for medical services that would otherwise be covered by your plan. (eHealth)
How many Americans have no health insurance?
In 2018, there were 28.6 million people without health insurance in the United States. In 2019, there were another million without insurance, nearly 30 million. (KFF)
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Final thoughts
Health insurance is not cheap. This may drive some people to go without it and hope they may never get sick. The risk of not having it can result in facing expensive medical bills or even penalties from some of the state governments.
If you run a blog or have a group of followers in the health or fitness-related niche, promoting health insurance may be a good idea to add one more income stream for your business.
In fact, we argue health insurance is one of the best insurance to sell online. You may click below to learn more.
