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Health Insurance Broker Jobs in Rochester, NY (NOW HIRING)

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Health Insurance Broker information

See Rochester, NY salary details

$38.5K

$86.1K

$117.4K

How much do health insurance broker jobs pay per year?

As of Jul 17, 2026, the average yearly pay for health insurance broker in Rochester, NY is $86,083.00, according to ZipRecruiter salary data. Most workers in this role earn between $75,000.00 and $98,700.00 per year, depending on experience, location, and employer.

How much do health insurance brokers make per policy?

Health insurance brokers typically earn commissions that range from 2% to 10% of the policy premium, with some earning flat fees per policy. Compensation varies based on the insurer, policy type, and broker experience, and many brokers also receive renewal commissions for ongoing client coverage.

What do health insurance brokers do?

A health insurance broker helps clients find and select health insurance plans that meet their needs by comparing coverage options, costs, and provider networks. They assist with enrollment, explain policy details, and may earn commissions from insurance providers. Brokers often hold certifications and use industry tools to provide personalized advice to individuals or businesses.

Is insurance broking a good career?

Insurance broking is a viable career that involves helping clients select suitable insurance policies and requires strong communication, sales skills, and industry knowledge. Successful brokers often obtain certifications such as the Certified Insurance Counselor (CIC) and build client relationships over time. The profession can offer flexible schedules and earning potential through commissions, but it also requires ongoing education and networking efforts.

What is the difference between Health Insurance Broker vs Health Insurance Agent?

AspectHealth Insurance BrokerHealth Insurance Agent
CredentialsMay require licensing and certifications; often independentLicensed to sell specific insurance products; typically affiliated with one company
Work EnvironmentIndependent or affiliated with brokerage firms; consults with clientsWorks for insurance companies or agencies; sells policies directly
Employer & Industry UsageUsed across multiple insurers; serves clients' best interestsEmployed by specific insurance companies; promotes their products
Search & Comparison IntentPeople compare brokers for independent advicePeople compare agents based on specific insurance options

In summary, health insurance brokers typically operate independently or with multiple insurers, offering broader options and personalized advice. Health insurance agents usually work for a single insurer, focusing on selling that company's policies. Both roles require licensing but differ in independence and employer structure.

What does a health insurance broker do?

A health insurance broker is a licensed professional who helps individuals, families, and businesses find and purchase health insurance plans that best meet their needs and budgets. Brokers compare various policies from multiple insurance companies, explain coverage options, and assist clients with the application process. They also provide ongoing support, helping clients with renewals, claims, and any issues that arise during the policy period. Brokers are typically compensated by insurance companies, not by the clients they assist.

What are the key skills and qualifications needed to thrive as a Health Insurance Broker, and why are they important?

To thrive as a Health Insurance Broker, you need a thorough understanding of insurance products, sales strategies, and regulatory compliance, typically supported by state licensure. Familiarity with customer relationship management (CRM) software, quoting tools, and insurance marketplace platforms is essential. Strong interpersonal skills, active listening, and the ability to explain complex policies clearly help brokers build trust and close sales. These skills and qualities are critical for matching clients to appropriate plans, ensuring legal compliance, and sustaining long-term client relationships.

What are some common challenges faced by Health Insurance Brokers when assisting clients with plan selection?

Health Insurance Brokers often encounter challenges such as navigating the complexity of various insurance plans, staying updated with frequently changing regulations, and ensuring clients fully understand their coverage options. Balancing the diverse needs and budgets of clients while providing unbiased recommendations can be demanding. Additionally, brokers must handle administrative tasks, such as managing enrollments and resolving claim issues, all while maintaining strong relationships with both clients and insurance carriers.

Why do most insurance agents quit?

Many health insurance brokers quit due to the high competition, complex regulations, and the need for ongoing education to stay certified. Additionally, the job often involves irregular income, rejection, and a challenging sales environment, which can lead to burnout and turnover.
What cities near Rochester, NY are hiring for Health Insurance Broker jobs? Cities near Rochester, NY with the most Health Insurance Broker job openings:
Infographic showing various Health Insurance Broker job openings in Rochester, NY as of July 2026, with employment types broken down into 8% Locum Tenens, 79% Full Time, 9% Part Time, and 4% Contract. Highlights an 78% Physical, 6% Hybrid, and 16% Remote job distribution, with an average salary of $86,083 per year, or $41.4 per hour.
Account Manager- Commercial Insurance, SBU

Account Manager- Commercial Insurance, SBU

Insurance Office of America

Rochester, NY

Full-time

Medical, Retirement

Posted 20 days ago


Insurance Office Of America rating

8.9

Company rating: 8.9 out of 10

Based on 17 frontline employees who took The Breakroom Quiz

44th of 281 rated insurance


Job description

Description

Job Description:

Title: Account Manager - Commercial Lines 

Work Mode: Remote| Location/Supporting: Longwood, FL | Book Focus: General/ Small Business
Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace. Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours. To view our branch locations, please visit: ioausa.com/locations 
About the Role: Manage an assigned book of business, ensuring account retention and supporting new business. Coordinate day-to-day administrative and customer service activities, resolving complex issues, and ensuring no errors or omissions. 

 
Key Responsibilities: 

  • Technical Competence: Maintain technical competence and industry expertise. 

  • Team Leadership: Direct daily activities of the account management team. 

  • Customer Service: Handle customer service requests, policy administration, billing, claims, and coverage analysis. 

  • Policy Management: Manage policy expirations and renewals. 

  • Renewal Process: Conduct client research, prepare submissions, negotiate coverages, and present proposals. 

  • Accounts Receivable: Monitor reports and take action on delinquent accounts, collecting outstanding balances. 

  • System Maintenance: Maintain agency management systems and carrier/vendor platforms, ensuring data accuracy and completeness. 

  • Activity Monitoring: Monitor and maintain activity/suspense to ensure timely completion. 

  • Communication: Maintain frequent, transparent communication with the account team regarding workload status and any issues. 

  • Service Excellence: Deliver excellent service, proactively anticipate needs, and respond quickly to service requests. 

  • Policy Compliance: Stay updated on company policies and procedures. 

  • Continuous Improvement: Seek and adopt best practices to improve individual and team performance. 

  • Champion IOA Values: Demonstrate integrity and leadership. 

 
Ideal Candidate Qualifications: 

  • 3+ years of account management experience, or 5+ years in the insurance industry 

  • Thorough knowledge of insurance brokerage and client needs 

  • Required active licensing; professional designation (CIC or equivalent) preferred 

  • Strong analytical, problem-solving, and decision-making skills 

  • Exceptional customer service, communication, multitasking, and organizational skills 

  • Proficiency in MS Office (Outlook, Word, Excel) 

  • High School Diploma (or equivalent) 

 
What We Offer: 

  • Competitive salaries and bonus potential 

  • Company-paid health insurance 

  • Paid holidays, vacations, and sick time 

  • 401K with employer match 

  • Professional growth and career progression opportunities 

  • Respectful culture and work/family life balance 

  • Community service commitment 

  • Supportive teammates and a rewarding work environment 

 
What to Expect (Application Process): 

  • 30-Minute Phone Screen, Online Assessments, and Interview(s) 

Salary Range

The expected pay range for this position is 65-80K annually, depending on experience, relevant skills, and geographic location.

Insurance Office of America is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.


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