Health Insurance and Employee Benefits
Health Estimates is an independent, licensed health insurance and employee benefits brokerage serving Chicago and businesses nationwide. Compare group health, Medicare, and individual insurance options with experienced broker support.
Trusted by Chicago businesses and families for 45+ years
We are Health Estimates, your trusted allies in group, Medicare and individual health insurance plans. From industry-leading technologies to an array of innovative solutions, we've got you covered.
We've been in business for over forty-five years, and unlike our competitors, we work for you—not the insurance company.
Areas of Expertise
- Employee Benefits: Comprehensive group health plans tailored to your business — from full plan administration to self-service tools. Compare rates and let us find the best fit for your team.
- Medicare: Expert guidance on Medicare Advantage, Medicare Supplement, and Part D Prescription plans. We help you understand your options and choose the coverage that fits your needs.
- Individual Health Insurance: Affordable individual and family health plans with expert guidance on marketplace options, subsidies, and enrollment.
- EASE Benefits Platform: Manage and administer employee benefits digitally at no extra cost. Our partnership with EASE gives your team a modern, cloud-based self-service benefits portal.
- Free Expert Consultation: No pressure, no obligation. Our licensed agents take the time to understand your needs, explain every plan under consideration, and guide you to the right decision.
Our Commitment
We continuously assess the market and stay abreast of current trends and best practices, providing our customers with best-in-class options and a commitment to customer service.
Our expert agents and friendly staff take the time and care to listen to you. They will identify your specific needs, and help you better understand each plan being considered.
Frequently Asked Questions
How many employees do I need to qualify for group health insurance?
Most carriers require a minimum of 2 employees. We work with businesses of all sizes — from 2 to 500+ employees — and can find plans that fit your headcount and budget.
What states do you serve?
We serve clients in most states across the country, with deep roots in Illinois and the Chicago area. Our licensed agents can help businesses and individuals in nearly every state find the right coverage.
Is there any cost or obligation for a consultation?
None at all. Getting a quote and speaking with one of our agents is completely free with no obligation to purchase. We're here to help you make an informed decision — not to pressure you.
What insurance carriers do you work with?
We work with 50+ top-rated carriers including UnitedHealthcare, Aetna, Blue Cross Blue Shield, Cigna, Humana, and many more. Having access to multiple carriers means we can find you the most competitive rates.
How quickly can coverage begin?
Once approved, group health coverage typically starts on the 1st of the following month. In many cases, we can expedite the process for qualified groups that need coverage sooner.