Optional add-ons
Supplemental coverage
Helps with specific gaps such as accidents, hospital stays, critical illness, dental, or vision.
Health coverage, made human
Coverage that fits your life, not the other way around.
Compare real health plans, understand every tradeoff in plain language, and see exactly what's available where you live — with a licensed advisor in your corner the whole way.
A licensed advisor, at no cost to youEight ways to protect your healthEvery plan in plain English
Plans from carriers you know and trust
Eight ways to stay covered
Eight ways to protect your health, one team to guide you.
Tap any coverage to see exactly how it works and who it's for — then add your ZIP to explore what's available to you.
How it works
Best fit
Important to understand
Now showing . Everything here is tailored to it.
The right plan is out there. Let's find it together.
Compare your options, check for potential savings, and understand every tradeoff with a licensed advisor who's genuinely on your side.
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 broad. Add only what you need.
Here's the whole idea in one glance: major medical covers your healthcare, and optional add-ons fill the specific gaps it leaves behind.
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.
Deductible, copay, coinsurance, out-of-pocket maximum. Here is what each one costs you and when it applies, in plain English.
Deductible
What you pay for covered care each year before the plan starts paying its share.
Copay
A flat fee at the time of care, such as a set amount for a doctor visit or a prescription.
Coinsurance
Your percentage of the bill once the deductible is met, often 20% while the plan pays the rest.
Out-of-pocket maximum
The most you can pay in a plan year. Once you reach it, covered care is paid in full.
Doctor visits
Primary care, specialists and checkups. In-network preventive visits are covered at no cost to you.
Hospital and surgery
Inpatient stays, surgery and emergency care. The costs that make having coverage matter.
Getting covered
Four simple steps to peace of mind.
Each step is guided by a licensed advisor who translates the fine print, so you never have to decode it alone.
Get started
Fill out a quote form or call usReach out whichever way is easiest. Share a few details about your household, and our team takes it from there.
Compare your options
We shop. You choose.We compare top-rated carriers for the right health coverage, value, and savings.
Select your coverage
Tailored. Clear. Confident.We walk you through your choices so you pick the protection that fits your health needs and your budget.
Get your plan
You're protected. We're here for you.Your coverage is active and you're covered. Count on us for service and support whenever you need it.
You may not have to wait for open enrollment.
A big life change can open a special enrollment window right now. Checking early keeps your options open.
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.
Plain-English guides on plans, savings, and enrollment timing — straight from our licensed advisors.
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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Contact
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