Health / ACA
Marketplace & subsidies
Affordable Health Insurance Plans Tailored for You & Your Family
Compare Marketplace (ACA) & Short-Term Medical options. Get real-time savings estimates. Bundle your plan with dental, vision, and critical illness coverage.
Affordable Group Health Insurance for Businesses of All Sizes
Temporary coverage that fits your life changes, ideal for gaps between jobs, waiting for open enrollment, or sudden needs.
We serve families & businesses in
GA
AL
AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
VA
Health Insurance Options We Offer
Marketplace (ACA) Health Insurance
Short Term Medical Insurance
What is Group Health Insurance
Group Health Insurance is a single health insurance policy that’s offered to a group of people, usually employees of a company or members of an organization. rather than purchased individually. Instead of each person buying their own policy, the company (or group) buys one plan that covers everyone, often at a lower per-person cost.
Who Qualifies?
Small Businesses: Usually need at least 2 employees (sometimes even the owner + spouse counts).
Medium to Large Businesses: No real upper limit, big corporations can cover hundreds or thousands of employees.
Organizations/Associations: Professional or trade groups can sometimes offer group coverage to members.
Group Health Insurance for Employers
Recruit, retain, and protect your team with ACA-compliant coverage and smart cost-control options.
Hiring & Retention
Competitive benefits that help you recruit and keep great people.
Comprehensive Coverage
Preventive care, hospital, Rx, and mental health aligned with ACA rules.
Tax Advantages
Pre-tax employer contributions and Section 125 payroll deductions.
Cost Control
Level-funded & self-funded options with stop-loss and wellness incentives.
Network Choice
HMO, PPO, and EPO plan types with broad national networks.
Wellness & Virtual Care
Telemedicine, EAP, and wellness programs to keep teams healthy.
Dependents & COBRA
Spouse/dependent coverage with compliant COBRA administration.
Hands-On Support
Plan design, onboarding, and renewals—powered by OnePoint Insurance.
Who Benefits from Group Health Insurance?
Real talk: a strong group plan helps you hire, keep your people, and control risk. Tap a tile to see what fits your business.
You’re Hiring Your First Employees
Benefits are table stakes. Show candidates you’re serious.
Click to see details
- Attract & retain talent with employer-paid contribution options.
- Simple HMO/PPO/EPO designs; pre-tax payroll deductions.
Your Renewal Jumped (Double-Digit Increase)
Don’t just eat it. Shop, re-design, and explore funding options.
Click to see details
- Market your plan across carriers & networks.
- Consider level-funded/self-funded with stop-loss to manage trend.
You’re Near or Over 50 Full-Time Equivalents
ACA rules aren’t a suggestion. Offer compliant coverage, avoid penalties.
Click to see details
- Design plans that meet affordability & minimum value requirements.
- Support with notices, eligibility, and ongoing admin.
You Want Smarter, More Tax-Efficient Benefits
Keep more of every dollar with the right setup.
Click to see details
- Section 125 pre-tax premiums; HSA-compatible HDHP options.
- Integrate HRA or FSA to boost value without blowing budget.
You’re Losing People Over Benefits
Upgrade networks, Rx, and employer contribution strategy.
Click to see details
- Dial in employer/employee cost split to fit your comp philosophy.
- Bundle dental/vision/life for a cleaner total rewards story.
Deciding Between ICHRA/QSEHRA and Group
W-2 team with decent participation? Group often wins on value.
Click to see details
- We’ll compare costs, networks, and admin load for your setup.
- Multi-state or remote? We’ll align carriers to your footprint.
How Group Health Insurance Works
Four simple steps. Better benefits, less chaos.
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Get a customized quote
Share headcount, locations & budget. We price options and employer contributions.
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Choose the right plan for your team
Compare carriers, networks & plan types (HMO/PPO/EPO). Add dental, vision, HSA/FSA.
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We handle setup & enrollment
We configure payroll deductions, portals & compliance docs. Clean onboarding, zero hassle.
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Employees enjoy affordable, quality care
ID cards, telehealth & wellness from day one—plus ongoing support from OnePoint.
Understanding Group Health Insurance Terms
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Save when you combine health insurance with dental, accident, vision, disability income, and more.
When life throws the unexpected your way, your health plan shouldn’t leave you with a stack of bills. Our supplemental insurance bundles give you cash benefits directly to you so you can focus on healing, not expenses.
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Get the Most Out of Your Coverage Bundle Add-Ons for Total Protection
Hospitalization Insurance
Pays YOU cash when you’re admitted to the hospital
Up to $2,000 per day for hospital stays use for rent, food, travel, or medical bills
Accident Insurance
Pays a lump sum for covered accidents like fractures, burns, or ER visits
Get up to $20,000 depending on injury severity
Critical Illness Insurance
One-time cash payout if diagnosed with serious conditions like cancer, heart attack, stroke
Up to $100,000 to help you recover without financial stress
Dental & Vision Insurance
Routine cleanings, X-rays, exams, glasses, and contacts
Save on preventive care & eyecare with network discounts
Disability Income Insurance
Replaces a portion of your income if illness or injury keeps you from working
Monthly income payments to help cover living expenses
Why Bundle?
Extra coverage when your health plan stops short
Cash payouts to help with rent, bills, or recovery
One application, multiple protections
Significant savings when bundled with your core health plan
Call to ACTION
Compare ACA and short-term plans side-by-side
Premiums
Deductibles
Out-of-pocket costs
Find out if you qualify for $0–low-cost premiums based on your income & household size
Know Your Enrollment Windows
Getting the right health coverage starts with knowing when you can enroll.
At OnePoint Insurance Agency, we guide you through your options whether you’re enrolling for the first time, switching plans, or qualifying due to a life change. Here’s how to take action based on your eligibility:
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
Open Enrollment (Nationwide)
🗓 Nov 1 – Jan 15
Featured Carriers We Trust
Need Help Applying or Comparing Plans?
Our licensed agents are trained & certified in multiple states. Call us or let us call you!
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Learn About Coverage
ACA vs Short Term
Understand what’s right for your life
Compare Plan Types
How Enrollment Works
Step-by-step Marketplace guide
See Enrollment Timeline
Using Your Plan
Avoid bills & get the care you need
Health Plan Tips
Learn About Coverage
ACA vs Short Term
Understand what’s right for your life
Compare Plan Types
How Enrollment Works
Step-by-step Marketplace guide
See Enrollment Timeline
Using Your Plan
Avoid bills & get the care you need
Health Plan Tips
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Frequently Asked Questions (FAQs)
What is group health insurance?
Group health insurance is a policy that covers a group of people, usually employees of a company, under one plan. Instead of each person buying insurance individually, the employer negotiates a single plan that covers everyone, often at a lower per-person cost.
How many employees do I need to qualify for group health insurance?
Most states require at least two employees (sometimes the business owner and spouse count). Some carriers have small business group plans for companies with as few as 2–5 employees.
Is group health insurance cheaper than individual insurance?
Yes, because the cost is spread across the group and employers typically share premium payments, employees usually pay less per month than they would for an individual plan.
Do employers have to pay the full premium?
No. Employers are usually required to pay at least 50% of the employee’s monthly premium, though many companies contribute more to stay competitive in hiring. Employees typically pay the rest, plus any dependent coverage.
Can employees add their families to group health insurance?
Yes, most group health plans allow employees to add spouses, children, or dependents for an additional cost. The employer usually isn’t required to pay for dependent coverage, but some do as a perk.
What benefits are typically included in group health insurance?
Preventive care (check-ups, screenings, vaccines)
Doctor visits & specialist care
Prescription drug coverage
Hospitalization & emergency services
Maternity & newborn care
Mental health services
Optional add-ons: dental, vision, critical illness
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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555 NorthPoint Center E, Alpharetta, GA 30022
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