[07.04]   Insurance › Health Insurance

Health Insurance Has the Highest CPC in Insurance.
Smart Brokers Aren't Paying It.

$99.85 a click for the top keywords, and most brokers still pay it. The brokers who win don't. They build year-round organic presence, run paid only inside the enrollment windows, and turn the seasonal scramble into a system.

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Live Market Pulse
Updated Nov 2026
$18
Avg Google
CPC
649K
Monthly
Searches (US)
Medium
Google Ads
Competition
Oct
Peak Demand
Month
Source: Google Ads Keyword Planner data via DataForSEO, United States, averaged across "health insurance plans", "affordable health insurance", "health insurance quotes". CPC is the top-of-page bid average, searches are the 12-month monthly mean, competition is Google's advertiser density index. Refreshed on the first of each month.

What the Data Says About Health Insurance Marketing in 2026

Live numbers from government and public sources, not a guess from a slide deck. Refreshed monthly via DataPulse.

Top Health Insurance Keywords by Search Demand
Health Insurance Plans
165K
ACA Health Insurance
74K
Health Insurance Marketplace
60K
Affordable Health Insurance
49K
Health Insurance Quotes
33K
Open Enrollment Health Insurance
22K
Health Insurance Broker Near Me
8K
Small Business Health Insurance
6K ↑
"Small business health insurance" is the smallest bar and the biggest check. Group plans pay $6,000+/yr in commission and stay for years. Low volume, high value, and that is where a brokerage gets built.
Cost Per Lead by Channel
Google Ads$45
Facebook Ads$22
Community Events$15
SEO / Organic$12
Referral Partners$8

HR consultants and CPAs send the cheapest leads and the best ones. SEO compounds year-round. Paid search spikes during AEP and then goes quiet.

Client Lifetime Value
Group / Employer Plans$6,000/yr
Individual ACA$2,000/yr
Medicare Crossover$1,800/yr
Short-Term$800

Group plans are the best clients by a mile. Brokers who specialize in small business health insurance build the agencies that don't wobble in February.

Sources: CMS · KFF · NAIC · DataForSEO (keyword data) · Updated monthly via DataPulse

Why Most Health Insurance Brokers Feast During AEP and Starve the Rest of the Year

"Every time we work with a health insurance broker, the same patterns show up..."

What They Think

× "Marketing only matters during open enrollment"
× "We can't afford $100 CPCs on Google"
× "Our clients come from referrals and employer relationships"
× "Health insurance is too commoditized to differentiate"

What's Actually Happening

✓ Year-round education builds the pipeline. AEP just harvests it. The brokers who own enrollment started earning trust 6 months earlier.
✓ SEO and content bring leads at $12, not $100. You don't need to win the CPC war. You need to win the trust war.
✓ Referrals plateau. Brokers with a digital presence grow 3x faster. The best agencies run both: the referral network and year-round content.
✓ The broker who explains the confusing thing plainly becomes the broker people call. In a confusing market, clarity is the whole edge.
Data proof: Health insurance brokers who run year-round content marketing get 40% more enrollments during AEP than brokers who only show up in October. The prospect already knows them when it is time to decide. Strangers lose that race.

How Does Your Brokerage Compare?

Pulled from government data and industry sources. Updated monthly. Find your row.

MetricBottom 25%MedianTop 25%Yours
Annual Revenue$55K$110K$220K+--
Enrollments Per Year120300600+--
Cost Per Lead$48$25$12--
Lead-to-Enrollment Rate6%14%25%--
Avg Commission$180$250$350--
Retention Rate70%82%90%--
Google Reviews62045+--
Website Conversion Rate0.4%1.6%3.5%--

Want your own numbers in that last column?

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How to read this: Lead-to-enrollment under 6%, or retention under 70%? That is a follow-up problem and a client experience problem. It is not a lead volume problem, and more leads won't fix it.

Sources: CMS · KFF · NAIC · DataForSEO (keyword data) · Updated monthly
Health Insurance Broker Result

From $45K/yr to $130K/yr in 7 Months

Before Anar
AEP only $6K
Marketing spend
180/yr
Enrollments
$33
Cost per enrollment
0
Off-season leads
$45K/yr
Revenue
After Anar
$3K/mo year-round
Marketing spend
520/yr
Enrollments
$69
Cost per enrollment
Yes
Year-round leads
$130K/yr
Revenue
▼ Anar Engagement Starts
$4K
Mo 1
$5K
Mo 2
$7K
Mo 3
$8K
Mo 4
$9K
Mo 5
$11K
Mo 6
$14K
Mo 7
"The math flipped when they stopped treating marketing as a seasonal expense and started treating it as year-round infrastructure. Off-season content created a pipeline that doubled AEP enrollment."

This Is for You If

  • You're a health insurance broker or navigator and your revenue swings with the calendar
  • You want year-round lead generation, not one AEP sprint a year
  • Online marketplaces are taking enrollees that should be yours
  • You're ready to fund a 12-month content strategy, every month of it

This Is Not for You If

  • You only want to market during open enrollment
  • You want us to run $100 CPC Google Ads campaigns
  • You want results but don't want to explain anything to anyone
  • Your budget goes to zero the day enrollment closes
What Happens Next
01

Book a 30-min Health Insurance Strategy Session (free).

02

We pull your market data: your area, your competitors, the gaps nobody is filling.

03

You get a custom Market Report. Yours to keep, hire us or not.

Book Your Health Insurance Strategy Session