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2024

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Best Health Insurance Agencies in Rochester, NY

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Rochester Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3890Reviewed

2337Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

35 State Street, Rochester, NY 14614
WebsiteLicense: 1374399

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Lifetime Financial Group LLC is a Rochester insurance broker that specializes in health insurance. It offers clients various insurance products such as Medicare Advantage, Medicare supplement plans, and prescription drug programs. The business also maintains programs that assist clients in paying for health co-pays and Medicare Part D co-pays. Founder Carmen Coleman has over 30 years of business experience from working in various management positions. In addition, she is also a Chartered Retirement Planning Counselor.

  • Group Plans

400 White Spruce Boulevard, Rochester, NY 14623
WebsiteLicense: 517306

Expertise.com Rating

Review Sources

Google
4.0 (22)
Facebook
5.0 (4)

Why choose this provider?

Century Benefits Group, Inc., is a full-service and independent insurance provider that serves individuals and businesses in Rochester and its nearby areas. Founded in 2000, the agency partners with a variety of known insurance carriers to provide its individual, business, and commercial clients a tailored package that fits their insurance needs. The most common life insurance plans it assists with are term life and permanent life insurance. Its portfolio of services also include Medicare, disability, and group life insurance.

  • Medicare
  • Group Health
  • Group Plans

2700 Elmwood Avenue, Rochester, NY 14618
WebsiteLicense: 825694

Expertise.com Rating

Review Sources

Google
4.0 (171)
Facebook
5.0 (17)
Yelp
5.0 (3)

Why choose this provider?

Quinton Insurance is an independent insurance firm that protects the communities in and around the Rochester metro with its health insurance programs. It has a wide range of life and health insurance policies such as Medicare, individual long-term care, mortgage protection, individual disability, and fixed annuities. It also has other personal coverages which include pet, boat and marine, renters', flood, and high net worth coverage. The firm was established by its current president, D. Gordon Quinton, in 1996.

  • Life Insurance

1225 Jefferson Road, Rochester, NY 14623
WebsiteLicense: 1349522

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Maust & Leone Insurance offers health insurance solutions to clients in Rochester and the surrounding areas. The business provides Medicare options, which include Medicare Advantage and Supplemental plans, as well as Part A, B, and D. Its owner, Brian Maust, along with his team of experienced agents, strives to help clients find the right insurance that fits their needs. Moreover, Maust & Leone Insurance works with several carriers, such as Aetna, Humana, WellCare, and BlueCross BlueShield of Western New York.

  • Individual Plans

1465 Monroe Avenue, Rochester, NY 14618
WebsiteLicense: 508413

Expertise.com Rating

Review Sources

Google
4.0 (63)
Facebook
5.0 (3)

Why choose this provider?

Established in 2004, Optima Benefits & Payroll serves small and large businesses with its comprehensive health insurance policies. This family-owned brokerage firm operates in Rochester and works with several leading health insurance companies rather than any single carrier. Aside from major medical plans, it also offers dental, disability, and long-term care insurance policies. Its team can also handle payroll and HR services. The founding partners at Optima Benefits & Payroll have more than 50 years of combined experience.

  • Life Insurance

900 Jefferson Road, Rochester, NY 14623
WebsiteLicense: 1061731

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Century Enrollment & Benefit Services, LLC, is a company located in Rochester that has been providing health insurance products since 2001. It specializes in employee benefits design and has over three decades of experience in guiding its clientele in choosing the appropriate insurance packages for their needs. Century Enrollment & Benefit Services also offers one-on-one employee counseling, professional presentations, web-based and laptop enrollment, benefit fair staffing, and enrollment audits with the aim of streamlining the dispersion of employee benefits from employers.

  • Individual Plans
  • Group Plans
  • Medicare

2800 Dewey Avenue, Rochester, NY 14616
WebsiteLicense: 1349029

Expertise.com Rating

Review Sources

Facebook
4.0 (140)
Google
5.0 (8)

Why choose this provider?

Spearheaded by Jane Ahrens, Ahrens Benefits Company provides health insurance services in Rochester. Jane was a public school teacher for 25 years, and this experience allows her to explain and educate her clients on health care and the company's services. Her team works with small business and non-profit organizations for their benefits programs. In addition, its specialties include senior, family, and individual insurance. It provides options for clients who are eligible for Medicare and those looking for health insurance plans.

  • Individual Plans
  • Group Plans

3445 Winton Place, Rochester, NY 14623
WebsiteLicense: 608933

Expertise.com Rating

Review Sources

Google
4.0 (17)

Why choose this provider?

Founded in 1979, The Schultz Group of NY, Inc., is an independent insurance agency that offers life and health insurance plans to families in Rochester and surrounding areas. The health insurance plans it carries include dental, disability, vision, Medicare, and mortgage protection insurance policies. Its professionals also offer auto, home, and business insurance plans. Cameron Larson, the principal agent, has been with the company since 2012. He graduated with a bachelor's degree in business management.

  • Individual Plans
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Lifetime Financial Group, LLC
35 State Street, Rochester, NY 14614
Century Benefits Group Inc
400 White Spruce Boulevard, Rochester, NY 14623
Quinton Insurance
2700 Elmwood Avenue, Rochester, NY 14618
Maust & Leone Insurance
1225 Jefferson Road, Rochester, NY 14623
Optima Benefits & Payroll
1465 Monroe Avenue, Rochester, NY 14618
Century Enrollment & Benefit Services, LLC
900 Jefferson Road, Rochester, NY 14623
Ahrens Benefits Company
2800 Dewey Avenue, Rochester, NY 14616
The Schultz Group of NY
3445 Winton Place, Rochester, NY 14623

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Can you have a health savings account if you get a high-deductible health plan in Rochester?

    Yes, one benefit of a high-deductible health plan is that it allows you to open a health savings account. Contributions are tax-deductible and grow tax-free, and the account can be used to pay for qualified medical expenses. There will be no tax penalty if you withdraw money from the account after the age of 65 for any reason. If the money is not used for qualified medical expenses, you will have to pay income taxes in Rochester.

  • How do you provide documentation to buy health insurance if you just started a business in Rochester with no tax documentation?

    Depending on the insurance company, additional documentation in lieu of tax documentation may be required. Some employers require a business certificate, a Federal Withholding Certificate (W-4), and documentation proving income. Others require a letter of certification as well as a letter from a CPA. Some of these requirements can also be applied to independent contractors when purchasing Rochester health insurance.

  • What is the distinction between prescription drugs and over-the-counter medications in a Rochester health insurance plan?

    Prescription drugs are those prescribed by a doctor and can only be obtained from pharmacies. Over-the-counter medications can be purchased without a prescription and are available in supermarkets and convenience stores. Tylenol, aspirin, and vitamins are examples of these. Many Rochester health insurance plans cover prescription drugs but not over-the-counter medications.

  • When should you consider a short-term health insurance plan in Rochester?

    Consider short-term health insurance in Rochester if you require coverage during gaps in coverage. This can happen if you are waiting for Medicare coverage, changing jobs, or have no insurance while waiting for the enrollment period. These plans are less expensive than standard insurance and can provide temporary coverage if you are unable to afford the standard one for the time being.

  • What are the benefits of NY State of Health's Essential Plan to residents in Rochester?

    NY State of Health's Essential Plan is affordable and does not require any deductibles. It has comprehensive benefits that include hospitalization, prescription drugs, and dental and vision care. It offers free preventive care services such as diagnostic exams and doctor's check-ups. Residents in Rochester can apply for this plan anytime by visiting the website of the NY State of Health or by calling 1-855-355-5777.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.