Optional add-ons
Supplemental coverage
Helps with specific costs such as accidents, hospital stays, critical illness, dental, or vision.
Health coverage, made human
Coverage that fits your life, not the other way around.
Health coverage should make sense for your needs, your budget, and the way you use care. Explore available health plan options with help from OnePoint Insurance Agency.
A licensed advisor, at no cost to youEight ways to stay coveredEvery plan in plain English
Plans from carriers you know and trust
Eight ways to stay covered
Health coverage isn’t one-size-fits-all.
Explore different coverage options and see which ones may fit your healthcare needs, budget, and life stage.
How it works
Best fit
Important to understand
Now showing . Everything here is tailored to it.
Let’s find a health plan that fits your needs.
Compare available options based on the coverage, costs, providers, and benefits that matter to you.
Which sounds like you?
Choose the one that fits your life right now, and we'll point you to the right place to start.
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Show me where to start →Comprehensive Health Coverage
Start with a major medical plan — on your own or through work — that covers the essentials, then add extra protection only where a real gap remains.
How coverage stacks
Start with your core health coverage. Then consider what else you need.
Here’s the whole idea in one glance: major medical covers your primary healthcare, and optional supplemental coverage can help with specific costs it may not address.
The simple version
Two jobs. One protection strategy.
Start here
Major medical
Handles broad covered care: doctors, prescriptions, emergencies, hospital care, and surgery.
01Choose major medical first.02Add a cushion only where it fits your life.
The words on your plan
What the terms on a health plan actually mean.
Understanding a few key terms can make comparing health plans much easier. Here’s what some of the most common ones mean.
Deductible
The amount you generally pay for covered healthcare services before your plan begins paying its share for services subject to the deductible.
Copay
A fixed amount you may pay for certain covered healthcare services or prescriptions.
Coinsurance
The percentage of the allowed cost for a covered service that you may pay after applicable deductible requirements are met.
Out-of-pocket maximum
The most you’ll generally pay during a plan year for covered in-network services that count toward the limit. After that, the plan typically pays 100% of covered in-network costs for the remainder of the plan year.
Preventive care
Many health plans cover certain preventive services at no additional cost when plan requirements are met, such as using an in-network provider.
Network
The doctors, hospitals, pharmacies, and other providers that have contracted with the health plan. Your costs can vary depending on whether care is received in or out of network.
Getting covered
Four simple steps to compare health plan options.
Tell us what you’re looking for, review available options, compare the details that matter, and choose how you’d like to move forward.
Tell us what you need
Fill out a quote form or call usStart with a few details about you, your household, and the type of coverage you’re looking for.
Compare plan options
We shop. You choose.Review available plans and compare costs, benefits, networks, and other important features.
Choose your coverage
Tailored. Clear. Confident.Select the option that best matches your priorities and eligibility.
Complete your enrollment
We’re here for you.Finish the required application or enrollment steps and review your coverage effective date.
You may have coverage options outside open enrollment.
Certain life events may qualify you for a Special Enrollment Period, and some types of health coverage may have different enrollment rules. We’ll help you understand which options may be available based on your situation.
Losing employer coverageGetting married or divorcedHaving or adopting a childMoving to a new service areaLosing other qualifying coverageCertain household changes
Premium tax credits may lower your monthly cost.
Eligibility depends on household size, projected income, location, and access to other qualifying coverage.
Losing job-based coverage opens a special enrollment window.
A layoff, aging off a family plan at 26, or the end of Medicaid can all start a limited window to enroll now.
Marriage, a new baby, or adoption can qualify you today.
Adding someone to your household is one of the most common life events that reopens enrollment outside the annual window.
Special enrollment windows do not remain open indefinitely.
Start soon after the qualifying event so there is time to verify eligibility and avoid an unnecessary coverage gap.
You may need documents confirming the life change.
A coverage termination notice, marriage certificate, birth record, or proof of relocation may be requested.
Moving to a new area can reopen your enrollment.
A permanent move to a new coverage area, including returning to the U.S. from abroad, may qualify you for a special enrollment period.
Verify doctors and prescriptions before enrolling.
Provider networks and drug formularies differ, even between plans offered by the same insurance carrier.
One careful review can prevent an expensive mismatch.
Compare the premium, deductible, network, prescriptions, and likely annual costs, not the monthly price alone.
From the blog
Insights to help you choose with confidence.
Straightforward guidance to help you understand health coverage, compare plan features, and prepare for important enrollment decisions.
No. OnePoint is compensated by insurance carriers, so comparing and enrolling with an advisor does not add an advisor fee for you.
That depends on the plan’s provider network and drug formulary. Share your preferred doctors and medications so those details can be checked before enrollment.
No. A lower premium can come with a higher deductible, narrower network, or different prescription coverage.
Most people enroll during annual Open Enrollment. Outside that period, a qualifying life event may open a Special Enrollment Period. Medicaid and CHIP applications are accepted throughout the year.
The Marketplace estimates your credit using the household and income information in your application. Report changes promptly because they can affect the savings for which you qualify.
One independent agency, 70+ carriers, 18 states. Real advisors who shop it for you and stay with you long after the policy starts.
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