An independent, fee-based Medicare plan selection and annual enrollment navigation service that reviews a senior's actual medications and doctors against every available plan, not just the ones a commission-driven broker is incentivized to show.
Difficulty
MediumStartup Cost
Low$2,000 – $10,000Market Size
LargeeHealth has built a large, successful Medicare plan-comparison business purely on insurance-company commissions, real evidence of a massive, recurring annual market, but its commission model means it only shows plans from partnered carriers, leaving room for a truly independent, fee-based alternative.Competition
MediumTime to Profit
3 – 6 monthsMarket timing
eHealth has built a large, successful business purely on Medicare plan comparison, proving a massive, recurring annual market, but its revenue comes entirely from insurance-company commissions, meaning it can only show plans from carriers it partners with, and some research suggests brokers may be incentivized toward certain plan types by their commission structure. A genuinely independent, flat-fee alternative with no carrier ties has real room to serve seniors who specifically want unbiased advice, an annually-recurring need every Medicare-eligible household faces.
Fair fit
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Mixed signals, solid on proven demand but defensibility is a real challenge.
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This requires real licensing and staying current on Medicare rules that change annually, this is genuinely regulated territory, not casual consulting.
Revenue is heavily seasonal, concentrated around the Annual Enrollment Period each fall, requiring real cash flow planning for the rest of the year.
Charging a direct fee when commission-based alternatives are free to the client is a real sales objection to overcome, the pitch has to clearly earn trust that unbiased advice is worth paying for.
Only shows plans from carriers it has a commission partnership with, some plans a client would otherwise qualify for and might prefer simply aren't shown.
Same structural conflict of interest as eHealth, commission incentives can shape which plans get recommended, even when brokers act in good faith.
Shows all available plans without bias, but offers no personalized guidance or human review, seniors are left to interpret complex plan differences entirely on their own.
Medicare-eligible seniors and their adult children who find annual Medicare enrollment overwhelming and want an independent, unbiased review of plan options rather than relying on a commission-driven broker or an online tool that only shows partnered carriers.
Flat annual review fee ($75–150) paid directly by the client, avoiding the carrier-commission conflict of interest that free brokers and platforms operate under.
Based on ~$100/mo avg revenue per client (annual) for this type of business. Estimates assume steady monthly effort.
Where your first customers realistically come from:
This one's hands-on, not code, so a simple, fast website matters more than an app. I do demo-first website builds, you see a real mockup before paying anything.
Email me about it →eHealth has built a large, successful business purely on Medicare plan comparison, proving a massive, recurring annual market, but its revenue comes entirely from insurance-company commissions, meaning it can only show plans from carriers it partners with, and some research suggests brokers may be incentivized toward certain plan types by their commission structure. A genuinely independent, flat-fee alternative with no carrier ties has real room to serve seniors who specifically want unbiased advice, an annually-recurring need every Medicare-eligible household faces.
Medicare-eligible seniors and their adult children who find annual Medicare enrollment overwhelming and want an independent, unbiased review of plan options rather than relying on a commission-driven broker or an online tool that only shows partnered carriers.
Flat annual review fee ($75–150) paid directly by the client, avoiding the carrier-commission conflict of interest that free brokers and platforms operate under.
This requires real licensing and staying current on Medicare rules that change annually, this is genuinely regulated territory, not casual consulting. Revenue is heavily seasonal, concentrated around the Annual Enrollment Period each fall, requiring real cash flow planning for the rest of the year. Charging a direct fee when commission-based alternatives are free to the client is a real sales objection to overcome, the pitch has to clearly earn trust that unbiased advice is worth paying for.
1. Get properly licensed to discuss Medicare plans in your state, and be explicit in marketing that you charge a flat client fee and take no carrier commissions, this is the entire differentiation from eHealth and most brokers. 2. Focus specifically on medication and doctor-network matching, cross-checking a client's actual prescriptions and preferred doctors against every available plan's formulary and network, not just headline premium costs. 3. Build relationships with senior centers, financial advisors, and elder-law attorneys who regularly encounter clients confused by Medicare choices and want a trusted, unbiased referral.
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