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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 Aug 8, 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?

Health insurance brokers typically earn between $40,000 and $70,000 annually, with top performers making over $100,000 through commissions and bonuses. Income varies based on experience, sales skills, client base, and the commission structure of the insurance companies they work with.

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?

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.

Is health insurance broking a good career?

Health insurance broking is a viable career that involves helping clients select suitable insurance plans and requires strong communication, sales skills, and industry knowledge. Success often depends on building client relationships, obtaining relevant licenses, and staying updated on policy changes. It can offer flexible schedules and earning potential through commissions.
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 August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 17% Part Time, and 6% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $86,083 per year, or $41.4 per hour.

Senior Account Manager (Fully Remote)

Insurance Office of America

Canandaigua, NY • On-site

$80K - $100K/yr

Full-time

Medical, Retirement

Re-posted 22 days ago


Insurance Office Of America rating

8.8

Company rating: 8.8 out of 10

Based on 18 frontline employees who took The Breakroom Quiz

57th of 303 rated insurance


Job description

Job Description:

Title:Senior Account Manager - Commercial Lines
Fully Remote:for candidates in Eastern or Central Time Zones
Supporting:Columbia, SC region| Book Focus:Large Accounts - Hospitality, Private Equity, Property
Requirement: active P&C license, Seeking: 10+ years of commercial lines experience, CIC or CPCU designation preferred
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. Serve as a subject matter expert for the account management team.


Key Responsibilities:

  • Technical Competence:Maintain a high degree of technical competence and industry expertise.

  • Team Leadership:Direct daily activities and workflow 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:Maintainagency management systems and carrier/vendor platforms, ensuring data accuracy and completeness.

  • Activity Monitoring:Monitorand maintain activity/suspense to ensuretimelycompletion.

  • Activity Monitoring:Monitorand maintain activity/suspense to ensuretimelycompletion.

  • Communication:Maintainfrequent, transparent communication with the account teamregardingworkload status and any issues.

  • Service Excellence:Deliver excellent service, proactivelyanticipateneeds, and respond quickly to service requests.

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

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

  • Champion IOA Values:Demonstrateintegrity and leadership.


Ideal CandidateQualifications:

  • 5+ years of account management experience,or10+ 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

  • Proficiencyin 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


Whatto Expect(Application Process):

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

Salary Range

The expected pay range for this position is $80,000.00 - $100,000.00 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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