Built for health insurance brokers, agents, and general agents
The health insurance CRM that handles open enrollment, carrier appointments, and HIPAA without a six-figure Salesforce build.
Health insurance brokers live between carriers, individual and group clients, open enrollment timing, compliance archiving, and commission reconciliation. Strkr ships a CRM shaped around all five with HIPAA BAA on request and the compliance archive integration.
A health insurance broker running individual Medicare, individual under-65, and group employer business lives in a four-concern reality. The open enrollment calendar drives everything from October to January. Carrier appointment management (ACC, UHC, Humana, BCBS, Aetna, Cigna, Kaiser) requires per-carrier appointment status tracking. HIPAA compliance is non-negotiable because enrollment forms carry PHI. Commission reconciliation against carrier statements eats hours per month. The pain points below are what Strkr onboarding hears on every health insurance broker evaluation.
The open enrollment compressed window
Four months of work in October to January.
Medicare Annual Enrollment Period (October 15 to December 7) plus Open Enrollment Period (January 1 to March 31) plus Group OE (varies by employer) compresses four to seven months of work into the fall and winter. Generic CRMs cannot flip the pipeline view to OE triage mode. Strkr OE workflow runs an OE triage mode that surfaces clients by renewal date, by current carrier, and by action needed with specific intervention tasks.
Carrier appointment status
Appointed with UHC on Medicare but not on ACA, appointed with BCBS on both.
A broker holds appointments with multiple carriers across multiple product lines (Medicare, ACA, group, dental, vision, ancillary). The appointment status, renewal date, and E and O coverage status matters for every policy sold. Strkr carrier appointment tracking carries status per carrier per product line with E and O coverage dates and renewal reminders.
HIPAA for enrollment data
Enrollment forms carry PHI.
Health insurance enrollment forms carry protected health information (medical conditions, prescriptions, provider preferences). A CRM that is not HIPAA compliant with a BAA cannot hold the data legally. Strkr is HIPAA compliant with a BAA available on request. The AI calls run with retrieval scope limited to non-PHI fields by default, and the admin can tune the scope per client type.
Commission reconciliation
The 180-row monthly commission statement from each carrier.
A broker with 420 active clients across six carriers receives six monthly commission statements with 180 to 320 line items each. Reconciling against expected commissions eats about 11 hours per month. Strkr commission reconciliation imports carrier statements, maps line items to policy records, and flags discrepancies for broker review.
Group vs individual complexity
The 42-life group that is actually two groups with 32 and 10.
A group employer client has a group policy with 42 lives. The 42 lives split across two actual plan selections (32 on PPO, 10 on HDHP). Each life is an individual record with their own medical history, dependents, and claim pattern. Strkr group modeling supports employer at the top with linked policy plans and individual lives under each plan.
Compliance archive requirements
State insurance regulators want the audit trail.
State insurance departments and the DOL for ERISA-covered group plans require audit trails for client communication, enrollment decisions, and policy changes. Strkr audit log captures every record read, record write, email send, document access, and AI call with 90-day default retention tunable per tenant to the regulator-required ceiling. Smarsh and Global Relay archive integration available.
The health insurance broker data model
Objects shaped like health insurance work.
Strkr ships a tunable health insurance schema with Client, Dependent, Policy, Carrier, Plan, Enrollment, Commission Line, and Compliance Event as first-class objects. The admin can rename or extend anything.
Client object
Individual or group employer.
A client carries type (individual, Medicare, group employer), household composition for individual, employer size for group, home jurisdiction (state for state-based ACA, employer location for group), and current carrier relationships.
Dependent object
The spouse, child, or domestic partner on the policy.
Dependents attach to the primary client with relationship type, date of birth, Social Security number scoped to the role model, and medical condition flags for the enrollment conversation.
Policy object
Individual or group policy with coverage dimensions.
A policy ties to the client with carrier, plan selected, effective date, renewal date, premium, deductible, out-of-pocket maximum, in-network provider match, and coverage dimensions (medical, dental, vision, ancillary).
Carrier object
Appointment status per product line.
A carrier record carries carrier name, broker appointment status per product line (Medicare Advantage, Medicare Supplement, Part D, individual ACA, group major medical, dental, vision, ancillary), appointment renewal date, E and O coverage date, and carrier-specific commission rates.
Plan object
The plan offered by the carrier.
A plan ties to the carrier with plan name, HIOS ID or Medicare plan ID, premium range, deductible, formulary tie, provider network, star rating for Medicare Advantage, and SBC document reference.
Enrollment object
The enrollment event with timestamp and context.
An enrollment ties to the policy with enrollment date, effective date, enrollment reason (new client, qualifying life event, open enrollment, employer change), signed enrollment form reference, and compliance context.
Commission line object
The expected and actual commission by policy.
A commission line ties to the policy with expected commission (first-year, renewal, overrides) and actual received per month. The reconciliation flow matches carrier statement line items to policy records.
Open enrollment workflow
The October-to-January triage mode.
The open enrollment period compresses months of broker work into weeks. Strkr OE workflow runs an OE triage mode that surfaces clients by action needed with specific intervention tasks. The cards below walk the stages.
Pre-OE preparation
August and September setup.
In August and September Strkr surfaces clients needing proactive outreach before AEP opens October 15. The broker reviews the Medicare client book for plan changes, formulary impacts, and premium shifts to communicate before the enrollment window opens.
AEP triage mode
October 15 to December 7.
During AEP the pipeline flips to triage mode with Medicare clients ranked by renewal date, by plan change impact, and by action needed (plan review scheduled, plan change recommended, no action needed). The broker runs 40 to 80 Medicare reviews per week during AEP.
OEP individual flow
January 1 to March 31.
During OEP the under-65 individual flow runs with ACA marketplace enrollment, carrier-specific off-marketplace enrollment, and qualifying life event handling. Strkr tracks subsidized vs non-subsidized clients and the subsidy recalculation at enrollment.
Group OE timing
Employer-specific renewal windows.
Group employer clients have employer-specific renewal windows (July 1, January 1, April 1 common). Strkr surfaces group clients 90 days before renewal with the renewal timeline and recommended broker action.
Enrollment form capture
Signed form with compliance archive.
For every enrollment Strkr captures the signed enrollment form (DocuSign integration or inline signature) and the signed form attaches to the policy record. The compliance archive captures the enrollment event with timestamp, broker, client, and plan selected.
Post-OE retrospective
February retrospective and summer coaching.
After AEP closes the retrospective runs on enrollment counts by carrier, by plan type, by broker, with revenue projection for the next 12 months. The retrospective feeds the summer broker coaching conversation.
How Strkr AI compresses broker admin
The AI jobs that fit a health insurance broker.
Health insurance brokers spend hours per week on client outreach, enrollment summaries, carrier appointment correspondence, and commission dispute letters. Strkr AI drafts in a professional broker voice with retrieval scope strictly scoped to the client. The AI Enhancement module is a $49 per month add-on with 5,000 Strkr AI calls included and $0.012 per call overage.
Pre-AEP client letter
The August-to-September heads-up.
Strkr AI drafts the pre-AEP letter to each Medicare client with the plan changes for next year, the formulary changes affecting the client specific drugs, and the recommended plan review timing. The broker approves and sends.
Plan comparison summary
The side-by-side for the client review.
For plan reviews Strkr AI drafts the plan comparison summary with the current plan vs recommended plan, premium delta, deductible delta, out-of-pocket maximum delta, and specific drug and provider coverage impact. The broker uses the summary in the review conversation.
Enrollment confirmation
The post-enrollment summary for the client.
After enrollment Strkr AI drafts the confirmation note with the plan selected, the effective date, the premium amount, the ID card expectation, and the recommended next step. The broker approves and sends.
Group employer renewal proposal
The RFP response for the group client.
For group employer renewals Strkr AI drafts the renewal proposal with current plan vs alternative plans, premium delta, employer contribution recommendation, and member impact analysis. The broker tunes and presents to the employer.
Commission dispute letter
The missing-commission inquiry to the carrier.
For commission discrepancies Strkr AI drafts the inquiry letter to the carrier with the policy, the expected commission, the received commission, and the requested resolution. The broker approves and the letter sends.
QLE qualifying event handling
The off-cycle enrollment process note.
For a client with a qualifying life event (marriage, birth, job change, loss of coverage) Strkr AI drafts the QLE process note with the enrollment window, the required documentation, and the recommended plan given the client situation.
Head-to-head
Strkr vs AgencyBloc, Zinnia, Benefit Harbor, Salesforce FSC.
Health insurance brokers typically evaluate Strkr against AgencyBloc (health insurance agency management), Zinnia (annuity and insurance platform), Benefit Harbor (benefits-focused), or Salesforce Financial Services Cloud with Health Cloud. The comparison below is Strkr on the capability band.
Feature
Strkr
Typical health insurance agency CRM
Carrier appointment per product line
Native with E and O tracking.
Varies.
Open enrollment triage mode
Pipeline flips to OE view.
Static pipeline.
Commission reconciliation
Carrier statement import with match.
Agency management module.
Group employer with life-level detail
Native hierarchy.
Agency management workaround.
HIPAA BAA availability
On request.
Enterprise tier gate.
Compliance archive tie
Smarsh and Global Relay via webhook.
Partner marketplace add-on.
AI drafted client outreach
Available on AI Enhancement add-on.
Generic templates.
Pricing per seat
Twenty-nine to 119 per month flat.
One hundred to 300 per month typical.
Open API
REST, GraphQL, HMAC-signed webhooks.
Agency-specific API.
How teams use Strkr
Five health insurance broker playbooks.
The patterns below are what Strkr onboarding sees across health insurance broker deployments from solo brokers to multi-office agency operations.
Pattern A
The solo Medicare broker with 420 clients.
A solo Medicare broker with 420 individual clients ran a mix of a legacy insurance CRM and spreadsheets. AEP ran as 10 to 12 hour days from October 15 to December 7 with manual plan comparison for each client. Strkr onboarding ran a 14-business-day setup with the Medicare client book, the AEP triage mode, and the AI drafted plan comparison. AEP workload dropped by about 40 percent in the following cycle. The broker added 80 new clients the following year with the reclaimed time.
Pattern B
The 24-broker regional agency.
A 24-broker regional agency serving individual Medicare, ACA, and group clients ran AgencyBloc for agency management and spreadsheets for broker-level CRM. Strkr onboarding ran a 20-business-day migration with AgencyBloc staying as the agency management system (commission statements, carrier statements) and Strkr handling the broker-level CRM, pipeline, and open enrollment workflow. Broker productivity lifted meaningfully across the next AEP.
Pattern C
The group employee benefits broker.
A group employee benefits broker with 180 group employer clients covering 14,000 lives ran a legacy benefits-specific CRM that could not model the employer-plus-plan-plus-life hierarchy cleanly. Strkr onboarding modeled the hierarchy natively with group employer at the top, policy plans linked, and individual lives under each plan. The renewal conversations ran on specific utilization and impact data.
Pattern D
The multi-office GA with 180 downstream brokers.
A general agent (GA) with 180 downstream brokers across three state regions ran a legacy GA management system that could not model the GA-to-broker hierarchy. Strkr onboarding configured the GA at the top with broker records nested, downstream commission flow tracking, and broker-level production reporting. The GA sales leadership gained visibility into broker production without manual roll-up.
Pattern E
The Medicare-focused broker with high AEP volume.
A Medicare-focused broker handling 180 AEP reviews per week during the AEP window ran into a HIPAA compliance gap when the agency added client-direct messaging without a HIPAA-compliant tool. Strkr onboarding delivered the BAA on request, configured the AI retrieval scope to exclude PHI fields, and set up Strkr Messaging for AEP outreach. The compliance gap closed in 11 business days.
Run open enrollment on a CRM shaped for health insurance work.
Book a 30 minute call. We will walk through the open enrollment triage, the carrier appointment tracking, the commission reconciliation, and the HIPAA posture with your actual client book and carrier mix.
Is Strkr HIPAA compliant for health insurance broker work?
Yes. Strkr is HIPAA compliant with a BAA available on request. The health insurance broker use case is a common scenario we support. The AI calls run with retrieval scope limited to non-PHI fields by default and the admin can tune the scope per client type. The audit log captures every record read, record write, email send, document access, and AI call with 90-day default retention tunable per tenant. SOC 2 Type II is in progress with a target of 2026-Q4. For state DOI compliance and ERISA audit the Smarsh or Global Relay archive integration pulls the compliance stream through the standard webhook spec.
How does Strkr handle the open enrollment triage mode during AEP and OEP?
During AEP (October 15 to December 7) the pipeline view flips to OE triage mode with Medicare clients ranked by renewal date, by plan change impact, and by action needed (plan review scheduled, plan change recommended, no action needed). During OEP (January 1 to March 31) the individual under-65 flow runs with ACA marketplace enrollment, carrier-specific off-marketplace enrollment, and qualifying life event handling. Strkr tracks subsidized vs non-subsidized clients and the subsidy recalculation at enrollment. For group employer clients the renewal workflow runs on employer-specific windows (July 1, January 1, April 1 common) with 90-day lead-time surfacing.
Does Strkr integrate with AgencyBloc, Zinnia, Benefit Harbor, or similar agency management tools?
Strkr integrates with the major agency management tools through the standard webhook spec with HMAC signing and the published OpenAPI spec. The common setup keeps the agency management tool (AgencyBloc, Zinnia, Benefit Harbor) as the system of record for commission statements, carrier appointments, and policy records while Strkr handles the broker-level CRM, pipeline, and open enrollment workflow. For AgencyBloc the integration lands in one to two weeks. For other agency tools the integration runs two to four weeks. The commission reconciliation flow imports carrier statements through the agency tool and matches to policy records.
Can Strkr track carrier appointments per product line with E and O coverage?
Yes. The carrier object carries broker appointment status per product line (Medicare Advantage, Medicare Supplement, Part D, individual ACA, group major medical, dental, vision, ancillary), appointment renewal date, E and O coverage carrier and expiration date, and carrier-specific commission rates. Appointment renewal reminders fire at 90, 60, and 30 days out. For brokers managing E and O coverage renewal the Strkr compliance workflow surfaces the renewal before the coverage lapses. For GAs managing downstream broker appointments the same tracking applies at the broker level with GA-level roll-up.
How does commission reconciliation work in Strkr?
The commission reconciliation flow imports carrier statements through CSV, carrier API, or scheduled file pickup. Strkr maps line items to policy records with carrier-specific commission rate rules. Discrepancies flag for broker review (missing commission, incorrect commission, chargeback dispute). Strkr AI drafts the commission inquiry letter to the carrier with the policy, the expected commission, the received commission, and the requested resolution. The broker approves and the letter sends. For GAs the downstream commission split tracking runs on the same flow.
What does Strkr cost for a health insurance broker or agency?
Strkr runs flat per seat at $29 on Starter, $59 on Pro, and $119 on Scale per user per month, with a 14-day trial. For a solo Medicare broker on Starter the monthly spend runs $29 plus $49 for the AI Enhancement add-on. For a 24-broker regional agency on Pro the monthly spend runs $1,416 for seats plus $49 for the AI module. The HIPAA BAA, carrier appointment tracking, commission reconciliation, group employer modeling, and compliance archive tie are included in the seat price. For agencies on Scale tier the SSO, Verified Domains, and regional data residency are available for the enterprise compliance posture.
No sales call, no migration consultant, no four-month implementation. Enter your card, get 14 days of the full Pro tier, cancel any time before day 14 with zero charge. Spin up a workspace, import your CSV, and have something useful before lunch.
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