🩺 “I Just Need to Understand My Health Insurance”—And That’s Where We Come In

Insurance| Health Insurance| Insurance Guides

April 09, 2025•3 min read

A Common Problem, A Personalized Solution

The health insurance world is full of jargon: deductibles, premiums, coinsurance, subsidies, HMO vs PPO—and the list goes on. Most people don’t have the time or background to decode it all.

That’s where OnePoint comes in.

We’re not just here to sell you a policy—we’re here to be your partner in protection. As an independent agency, we represent you, not the insurance companies. That means our licensed advisors work across multiple carriers to help you find the plan that actually fits your needs—not just the one someone else wants to sell you.

Finding the Right Fit: Your Health Insurance Options

Let’s walk through the main types of health insurance we help people understand and choose from:

🏛️ 1. Marketplace Plans (ACA / Obamacare)

If you're self-employed, between jobs, or don’t get insurance through work, the Health Insurance Marketplace could be your best option. These plans are comprehensive, cover essential health benefits, and often come with financial help in the form of subsidies.

Many clients are surprised to learn that they qualify for significant discounts based on income—and we help them uncover every possible savings opportunity.

🏥 2. Private Plans

Missed Open Enrollment? Want something with more provider flexibility? Private health plans might be a good fit. These are often ideal for people who don’t qualify for marketplace subsidies but still want quality coverage.

We help our clients compare real costs (not just monthly premiums), so they can make informed decisions that fit both their health needs and financial goals.

👨‍👩‍👧‍👦 3. Small Business and Group Coverage

Running a business? Offering a group health plan can make a big difference for your team—and your company’s ability to attract and retain talent.

We walk business owners through every step, helping them design group plans that balance affordability with benefits that matter. From setup to employee education, we’ve got it covered.

Behind Every Policy Is a Person

When Angela called us, she was frustrated, overwhelmed, and honestly a little embarrassed. But that changed after just one phone call.

We reviewed her plan, explained what her current policy covered, and discovered she had options that could save her hundreds each month—while giving her better protection for her family. Within a week, she had a new plan in place, and for the first time in a long time, she felt in control.

That’s what it’s all about.

We don’t just “sell insurance.” We help people feel confident, informed, and protected. We’re here to answer questions, clear up confusion, and walk with you step-by-step.

No Pressure. No Confusion. Just Real Help.

Choosing a health plan is a big decision, but it doesn’t have to be a stressful one. When you work with OnePoint Insurance Agency, you’re not navigating the maze alone.

You’re working with real people who:

Listen first, sell second
Offer honest, unbiased advice
Work with top-rated carriers
Understand the system—and explain it clearly
Believe your peace of mind is what really matters

Ready to Talk About Your Health Insurance?

Whether you’re approaching Open Enrollment, just had a life change (like a job shift or new baby), or you’re just tired of not knowing what’s in your plan—we’re here.

👉 Here’s how to get started: