A New York brokerage
Powering independent brokers with a turnkey portal — and writing private policies for the self-employed and small-to-mid-market employers. Direct carrier relationships built for year-round product placement.
What brings you here
For independent brokers
If your book leans heavy on ACA marketplace plans, you already feel the pain — clients churn at OEP, ancillary attach is flat, mid-year revenue is dead. The TMRW Broker Exchange Portal solves the structural problem at no setup cost. You keep your book.
For coverage seekers
Self-employed, 1099, freelance, or shopping for your company. Side-by-side quotes from marketplace and 5-8 private carriers.
Primary track
If you're an independent broker writing mostly Healthcare.gov plans, you face a structural problem: clients churn every January, ancillary attach stays flat, and mid-year revenue is essentially zero. The TMRW Broker Exchange Portal fixes that with year-round enrollable products, transparent commission visibility, and turnkey infrastructure — at no platform cost.
Cigna, Blue Cross Blue Shield, plus a full ancillary lineup. Brokers without their own appointments can write through TMRW.
Most ancillary, supplemental, and lifestyle products on the platform aren't OEP-locked. Quote and enroll twelve months a year.
See pending and earned commissions across every client and carrier — not 60 days late on a statement.
No SaaS fee, per-seat fee, or per-employee fee. Standard carrier commission economics with a transparent split.
Direct coverage
Individuals & self-employed
If you're 1099, freelance, or running a one-person business, off-exchange plans typically beat marketplace coverage on network breadth and enrollment flexibility — especially above the ACA subsidy cliff. Premiums are 100% deductible above-the-line via Form 7206.
Employers (2-200+ employees)
Whether you're a 5-person startup or a 200-person company, your benefits package shapes whether good people stay. We start renewal work 120 days out, not 30. ICHRA, level-funded, fully-insured, self-funded — all under one roof, with real ERISA support.
You talk to the principal, not an account exec routed through three tiers of escalation. That's not a startup virtue — that's how independent brokerages should work, and it still works.
— Jesse, Principal Broker
Direct carrier relationships. Three audience tracks served by one principal advisor. Headquartered in the New York metro area; tri-state licensed; nationwide network access via private carriers.
About TMRW BenefitsFAQ
TMRW Benefits is a New York-based health insurance brokerage. We power independent insurance brokers with the TMRW Broker Exchange Portal — a turnkey benefits platform with year-round enrollment, real-time commission visibility, and no setup cost — and we write direct policies for self-employed individuals, 1099 contractors, and small-to-mid-market employers.
Three audiences. Independent insurance brokers who want a partner platform for ancillary, supplemental, and lifestyle products with year-round enrollment. Self-employed professionals, freelancers, and 1099 contractors who want better-than-marketplace private health plans. And small-to-mid-market employers (2-200+ employees) who need group health, ICHRA, level-funded benefits, plus full ERISA compliance support.
Healthcare.gov is limited to ACA marketplace plans. TMRW offers private health plans that aren't on the marketplace, often with broader networks, lower deductibles, and year-round enrollment. We also provide a real human broker — not a self-serve form — so you get personalized guidance through plan selection, enrollment, and claims.
TMRW Benefits is headquartered in the New York metro area and licensed to write business across New York, New Jersey, and Connecticut. Many private and ICHRA-based plans we offer have nationwide carrier networks, so coverage works for clients anywhere in the U.S. Contact us to confirm coverage in your specific state.
Three options based on what you need. Brokers can apply to join the TMRW Broker Exchange Portal at no cost. Individuals can request a free 15-minute consultation to compare private health plans. Employers can book a benefits audit to evaluate current coverage and identify savings. Use the contact form or call 646-634-0799.
Get in touch
Whether you're a broker exploring a partner platform or shopping for your own coverage — tell us your situation. Jesse responds within 24 hours.