Making NJ health coverage clear and honest.
We are a licensed New Jersey brokerage and FMO built on one idea: you deserve to see the real cost of your coverage before you buy it.
Our mission
Care Revolves Around You.
Health insurance should work for the person who holds it — not just the carrier that issued it. Yumi Health exists to close the gap between what plans promise and what they actually cost.
We are headquartered in Hackensack and serve residents across all 21 New Jersey counties. Every advisor on our team holds an active NJ producer license and completes annual carrier training. We partner with 20+ carriers so we can match you to the right plan — not just the plans we happen to contract with.
Yumi Health Group LLC is DOBI-licensed and, as an FMO, also supports a network of independent agents across New Jersey with technology, training, and back-office tools that help them serve clients better.
TrueCost™ engine
Beyond the premium number
A $0-premium plan can cost you thousands more than a $120/month plan once you account for deductibles, copays, and network gaps. TrueCost™ models your full expected annual spend — based on your conditions, medications, and doctors — so the comparison is honest.
It is the centerpiece of every advisor consultation and is also embedded in our AI concierge so you can explore estimates on your own, 24/7.
21
NJ counties served
20+
carrier partners
3
lines of business
$0
advisor fee to you
Our values
What guides every conversation
Six principles that shape how we advise clients, recruit agents, and build our technology.
Honest guidance
We show you the real cost of each plan — premiums, deductibles, and out-of-pocket exposure — before you commit.
Client-first
Our advisors are compensated by carriers, not by upselling you. The same plan costs the same premium whether you enroll through us or direct.
Local expertise
Hackensack-based and DOBI-licensed. We know NJ's carriers, networks, and rating rules — and which plans actually perform in each county.
Clarity over complexity
Health insurance is notoriously opaque. Our TrueCost™ engine surfaces the numbers carriers don't advertise, so you can compare plans on equal footing.
No pressure
No upsells, no urgency tactics, no call scripts designed to rush you. Take the time you need.
Annual accountability
We review your coverage every year before the Annual Enrollment Period so you're never stuck on a plan that no longer fits.
Growing
Rooted in NJ, expanding nationwide.
We built our foundation in New Jersey — one of the most complex health-insurance markets in the country. That foundation now powers our expansion.
NJ has community rating for Medigap, its own ACA marketplace (GetCoveredNJ), and county-level Medicaid variations that require local expertise to navigate. Mastering this market has made us sharper advisors everywhere.
As we license in new states, independent agents in those markets can join the Yumi FMO to access our CRM, TrueCost™ engine, and lead programs — the same tools powering our NJ team today.
Join as an agent
Licensed producers in NJ and neighboring states can contract with Yumi as an independent agent or join our W-2 team. Two comp tracks, real leads, modern tools.
Learn about joiningQuestions
About Yumi Health
Where is Yumi Health based?+
411 Hackensack Avenue, Suite 200, Hackensack, NJ 07601. We serve all 21 New Jersey counties and are expanding to additional states.
Is Yumi Health licensed?+
Yes. Yumi Health Group LLC is licensed by the New Jersey Department of Banking and Insurance (DOBI) as a health insurance producer. Our advisors hold individual NJ producer licenses.
How does Yumi make money?+
Carriers pay us a commission when you enroll in a plan. This is built into the plan premium — it does not add to your cost. We are prohibited from charging you a separate fee for Medicare advice.
What is TrueCost™?+
TrueCost™ is our proprietary cost-projection engine. It goes beyond the monthly premium to model your expected deductible, copays, and out-of-pocket maximum based on your conditions, medications, and typical utilization — giving you a full-year cost estimate, not just a headline number.
Ready to find the right plan?
Talk to a licensed NJ advisor — no cost, no pressure, no script.