HFX Insurance Services is a Managing General Agency Insurance Company.

The HFX Veteran Wings Program

Giving our nation's Veterans a roadmap to building a successful future!

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Start your savings with our customized Employer Group self-funded plans!

HFX Dental and Vision Plans

Our Individual PPO Dental and optional Vision Rider plans will make everyone smile!

You Win With Wellpay

Earn valuable healthcare rebates, cash-back bonus points and discounts with the HFX Wellpay Payment Card.

HFX Insurance Services is a Managing General Agency Insurance Company.

HFX Insurance and Healthcare Financial Exchange

HFX Insurance is a wholly-owned subsidiary of the Healthcare Financial Exchange. The Healthcare Financial Exchange (HFX) is a fiscal intermediary that provides financial services and claim payment services between employer groups, insureds, and insurance companies.

So... what exactly is a Managing General Agency?

A Managing General Agency (MGA) is an insurance agency or business entity who is granted authority by an insurance carrier to administer insurance programs (self-funded and/or fully-funded plans) and negotiate contracts on its behalf. The MGA acts as an intermediary between carriers and agents and/or insureds. Partnering with an MGA can be thought of as working with a dedicated branch office that provides specialized insurance programs and services within specific target classes. Working with an MGA can provide value-added expertise, access to multiple insurance markets, and a more efficient process in obtaining specific coverages/services as needed.

A unique business approach!

HFX Insurance Services has adopted a business model that creates state operating subsidiaries under Section 831(b) of the Internal Revenue Code. This approach allows HFX Insurance Services to structure self-funded insurance plans for small to large-sized employer groups. The technique will enable small businesses to qualify for group rates. Business owners looking for alternatives and relying solely on the commercial insurance market to cover their risks will find that an HFX Insurance Services captive insurance company (CIC) can be the solution they are seeking. CIC’s allow for greater risk coverage and insurance flexibility that provides significant tax benefits.

Policies are written by Aetna, UnitedHealthcare, Cigna, and Anthem to name a few. Support for these policies comes from 50,000+ General Agents and brokers and a call center with 400+ operators. HFX Insurance Services is currently selling policies across state lines and is competing with Obamacare plans, implementing US tax code breaks and locking in reduced insurance rates. Each HFX plan comes with the HFX WellPay virtual payment card, which as a feature comes with a Colonial Life accident plan!

HFX Insurance Services provides the most affordable and reliable employer group insurance plans and benefit options in today’s expanding marketplace. Our experienced and knowledgeable staff will assist in finding the best policy for your place of business, no matter how many employees you may have!

HFX Insurance Services is licensed in AZ, CA, CO, FL, GA, NC, NJ, NV, NY, PA, SC, TX, AND WI.

Enroll your business and it’s employees in a customized HFX Insurance Services employer group plan today! You'll be glad you did!

Call or click to start your savings now!

Veterans Affairs Program
HFX proudly serves the U.S. Department of Veterans Affairs.

Print Your Eligibility Card
Print your temporary virtual eligibility ID card now.

HFX Employee Navigator
Gain access to the HFX Employee Navigator portal here.

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