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Where is it easiest to open: Direct Health and Medical Insurance Carriers
51 states, side by side. Operator counts and wages from Census and BLS; licence records matched on “SOC 41-3021” (soc) for Insurance Sales Agents. A blank gate means NO RECORD MATCHED, which is not the same as no licence.
| State | Operators | Avg staff | Pay / employee | Gate | Licence titles matched |
|---|---|---|---|---|---|
| FL | 737 | 63.3 | $81,450 | exam | Broker/Dealer Agent (BDA); Health and Life Insurance - Debit Coll |
| CA | 516 | 107.8 | $117,601 | licence | Broker-Dealer Certificate; Casualty Broker-Agent |
| TX | 331 | 101.3 | $84,669 | exam | Funeral Pre-Arrangment Life Agent; General Lines Agent / All LOAs |
| PA | 329 | 154.0 | $93,916 | not matched | — |
| NY | 231 | 129.5 | $97,062 | exam | Excess Line Broker; Insurance Agent, Accident, Health, Lif |
| AZ | 197 | 87.1 | $95,195 | licence | Insurance Producer; Insurance Producer Self-Service Storag |
| KY | 173 | 82.2 | $104,049 | exam | Insurance Administrator (TPA); Insurance Agent |
| MO | 165 | 110.0 | $96,562 | exam | Insurance Agent; Insurance Consultant |
| OH | 155 | 122.4 | $90,695 | exam | Insurance Agent |
| IL | 153 | 155.7 | $111,454 | exam | BROKER, MEAT/POULTRY/MEAT AND POULTRY; EGG PRODUCER-DEALER/PRODUCER-PACKER/GR |
| TN | 131 | 162.8 | $88,761 | exam | INSURANCE PRODUCER; SURPLUS LINES AGENT |
| NJ | 129 | 90.2 | $117,563 | exam | INSURANCE PRODUCER |
| MI | 117 | 146.8 | $101,036 | exam | Insurance Agent (Insurance Producer); Insurance Agent, Surplus Lines |
| NC | 117 | 86.2 | $83,619 | exam | Accredited Re-insurer (Life/Health & P; Agent-Insurance Producer - Accident He |
| VA | 114 | 160.2 | $98,484 | exam | Insurance Sales Agent |
| WI | 112 | 140.4 | $78,204 | exam | BROKER-DEALERS; INSURANCE INTERMEDIARY (AGENT) |
| GA | 108 | 132.7 | $88,648 | exam | Associate Broker; Broker |
| MD | 100 | 68.5 | $108,586 | not matched | — |
| MA | 99 | 258.5 | $93,514 | exam | FINANCIAL BROKERS, AGENTS, AND DEALERS |
| MN | 94 | 225.2 | $126,391 | exam | Broker's License to Represent a Distil; Food Broker License |
| LA | 89 | 76.5 | $86,595 | licence | Insurance Producer |
| CO | 88 | 75.1 | $96,906 | exam | Insurance Agent |
| SC | 86 | 163.7 | $77,274 | licence | Broker; Broker In Charge |
| WA | 85 | 99.6 | $112,475 | exam | Agent (Insurance); Brokers (Insurance) |
| NV | 81 | 47.8 | $78,830 | not matched | — |
| IN | 75 | 177.4 | $91,963 | exam | Licensed Insurance Agent; Licensed Security Salesperson (License |
| OR | 70 | 151.1 | $95,762 | licence | Event Officials; Insurance Consultants |
| AL | 70 | 74.1 | $104,560 | licence | Licensed Insurance Managing General Ag; Licensed Insurance Producer |
| UT | 68 | 57.1 | $100,543 | licence | INSURANCE AGENTS & BROKERS |
| CT | 65 | 285.7 | $104,691 | exam | Broker - Dealer Agent; Certified Insurance Consultant License |
| AR | 65 | 88.4 | $78,432 | exam | Boiler Inspector (Insurance); Consultant |
| KS | 61 | 65.4 | $90,288 | licence | Insurance Agent |
| NE | 57 | 119.5 | $102,149 | licence | Broker-Dealer; Broker-Dealer Agent |
| OK | 53 | 81.3 | $101,745 | exam | Active Broker License; Alcohol and Drug Substance Abuse Cours |
| ID | 46 | 68.1 | $94,834 | exam | Insurance Producer; Manufactured Home Resale Broker |
| HI | 45 | 77.6 | $75,274 | exam | Insurance Producer (Agent) |
| IA | 45 | 108.0 | $102,722 | not matched | — |
| DC | 44 | 34.8 | $168,621 | not matched | — |
| NM | 42 | 76.0 | $80,692 | exam | Broker/Dealer and Agent; Insurance Producer |
| MS | 41 | 54.7 | $86,270 | exam | Insurance Producer |
| NH | 38 | 55.8 | $99,980 | exam | Electrical Inspectors, Third Party; Insurance Producer |
| WV | 37 | 60.7 | $79,979 | not matched | — |
| ME | 37 | 41.0 | $85,633 | not matched | — |
| MT | 33 | 29.3 | $95,614 | exam | Insurance Agents |
| SD | 32 | 24.9 | $83,805 | licence | Insurance Producer; Insurance Surplus Lines Broker/Agent |
| RI | 30 | 64.9 | $118,883 | exam | Insurance Producer; Surplus Line Broker |
| DE | 30 | 54.4 | $94,530 | exam | Insurance Agent; Insurance Appraiser |
| ND | 27 | 75.0 | $71,960 | exam | Broker Dealer; Insurance Consultants |
| WY | 23 | 15.7 | $80,654 | licence | INSURANCE SALESPERSON |
| VT | 19 | 30.7 | $101,082 | exam | Insurance Producer; Life Settlement Broker |
| AK | 14 | 4.1 | $90,103 | licence | Insurance Occupations |
Axes are shown side by side and deliberately NOT collapsed into a ranking. A composite would be a score with no measured interval, and an unmeasured score is the thing this product exists to argue against. A high licence gate is a cost to enter and a moat once cleared — which of those matters more is the operator's call, not ours.
Licence data courtesy of CareerOneStop, sponsored by the U.S. Department of Labor. Free to read, no account, always — a condition of the data licence as well as our own position.