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Health Insurance Representative information

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$25.5K

$65.7K

$83.5K

How much do health insurance representative jobs pay per year?

As of Jun 11, 2026, the average yearly pay for health insurance representative in the United States is $65,651.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $77,000.00 per year, depending on experience, location, and employer.

Why do most insurance agents quit?

Most insurance agents quit due to high competition, challenging sales targets, and inconsistent income, especially during the initial stages of building a client base. The job often requires strong communication skills, persistence, and the ability to handle rejection, which can lead to burnout and turnover.

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

AspectHealth Insurance RepresentativeInsurance Agent
CredentialsMay require state licensing, health insurance certificationsRequires state licensing, general insurance certifications
Work EnvironmentInsurance companies, customer service centersIndependent or agency offices, client meetings
Employer & IndustryHealth insurance providers, healthcare industryInsurance agencies, multiple insurance sectors
Search & Comparison IntentFocus on health insurance products, coverage optionsBroader insurance products, policies across sectors

Health Insurance Representatives primarily focus on health insurance policies, working within insurance companies or healthcare providers. Insurance Agents often handle a variety of insurance types, including health, auto, and home, working independently or for agencies. While both roles require licensing and customer service skills, Health Insurance Representatives specialize in health coverage, making them more suitable for those interested specifically in health insurance careers.

What does a Health Insurance Representative do?

A Health Insurance Representative assists clients in understanding, selecting, and managing health insurance policies. They provide information on coverage options, help customers file claims, and resolve issues related to benefits or billing. Representatives may also process applications, explain policy details, and ensure that clients receive the appropriate coverage for their needs. Their role is vital in helping individuals and businesses navigate the complexities of health insurance.

How much do top health insurance agents make?

Top health insurance representatives can earn between $70,000 and $150,000 annually, with experienced agents or those working in high-demand markets often earning higher commissions and bonuses. Income varies based on sales performance, certifications, and the employer or agency they work for.

What are some common challenges Health Insurance Representatives face when assisting clients, and how can they effectively address them?

Health Insurance Representatives often encounter challenges such as explaining complex policy details, resolving billing issues, and handling sensitive customer concerns. To effectively address these, it's important to have strong communication skills and patience, as well as a thorough understanding of the company's products and procedures. Representatives typically work closely with both clients and internal teams, such as claims processors and underwriters, to resolve issues efficiently. Staying current on industry regulations and maintaining empathy during client interactions are also key to building trust and ensuring customer satisfaction.

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

To thrive as a Health Insurance Representative, you need a solid understanding of health insurance policies, claims processing, and customer service, often supported by a high school diploma or relevant associate degree. Familiarity with claims management software, CRM systems, and regulatory guidelines like HIPAA is typically required. Excellent communication, problem-solving, and organizational skills help you address client concerns and navigate complex situations. These capabilities are crucial for ensuring client satisfaction, regulatory compliance, and efficient claims resolution.

What does an insurance representative do?

A health insurance representative assists clients in understanding and choosing insurance plans, explains policy coverage and benefits, and helps with enrollment and claims processes. They often work in insurance offices or call centers, requiring strong communication skills and knowledge of insurance policies.

How much does a 215 license make?

A health insurance representative with a 215 license, which authorizes selling health insurance products, typically earns between $35,000 and $55,000 annually. Compensation varies based on experience, location, and commission structure, with some earning additional bonuses for sales performance.
More about Health Insurance Representative jobs
What cities are hiring for Health Insurance Representative jobs? Cities with the most Health Insurance Representative job openings:
What states have the most Health Insurance Representative jobs? States with the most job openings for Health Insurance Representative jobs include:
What job categories do people searching Health Insurance Representative jobs look for? The top searched job categories for Health Insurance Representative jobs are:
Health Insurance Representative jobs near you
Infographic showing various Health Insurance Representative job openings in the United States as of June 2026, with employment types broken down into 2% As Needed, 76% Full Time, and 22% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $65,651 per year, or $31.6 per hour.

Insurance Representative

Transamerica Life Insurance Company

Campbellsville, KY

$53K - $67K/yr

Other

Posted 23 days ago

Job description

The Insurance Representative is directly responsible for writing new quality business, conserving existing business, providing ongoing quality service to policy owners in accordance with the Insurance Representative’s Agreement and maintaining a program of continuous self-improvement. The primary aspect of the Insurance Representative position is to sell. All other functions, particularly policy owner services, provide the opportunities to increase sales activity.

The Representative reports directly to a Managing Representative, Associate Director or Managing Director and is expected to meet weekly and annual objectives agreed upon with his/her immediate supervisor for the number of submitted life & health applications, life and health placements, life & health annualized controllable increase, Personal Financial Planning (PFP) sales interviews, Quality Life Check-ups (QLCs), first year and renewal persistency, first year and renewal lapse limits and all other required annual objectives. The Representative, with his/her immediate supervisor’s approval, is responsible for the creation, development and implementation of action plans that are consistent with Company and personal objectives. In order to accomplish these goals, the Representative has to demonstrate the ability to work without close supervision and to work evening hours and weekends. The Representative is expected to perform at levels that will result in net premium growth on the agency to which he/she is assigned.

The Representative will establish annual individualized objectives on the Representative’s Marketing Plan. He/she will create, develop and implement the methods/activities/action plans necessary to achieve the annual objectives. The Representative will participate in an individual Action Planning Conference (APC) with his/her direct supervisor on a regular basis for the purpose of meeting the individual’s activity, sales, service and training goals established in the Representative’s Marketing Plan.

The Representative is expected to perform at levels that will result in net premium growth on the agency to which he/she is assigned.

Qualifications

Education – High school diploma required. An undergraduate college degree, in a business-related field (i.e., marketing, business administration, management, etc.) preferred.

Years and type of experience required/preferred – One to 3 years of experience in an insurance sales environment preferred, but not required.

Life and health insurance license is required.

Valid driver’s license and dependable/reliable transportation.

Establishes high goals and expectations. Able to start and persist with specific courses of action while exhibiting high motivation and a sense of urgency; willing to commit to long hours of work and make personal sacrifice in order to reach goals. Conducts oneself and communicates in a professional manner. 

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