Coverage Options
Every type of health coverage, one broker.
From individual plans to group benefits, Medicare to supplemental — we cover it all.
Individual & Family Plans
ACA marketplace plans, off-exchange options, and short-term coverage tailored to your household's needs and budget.
- ACA marketplace plans
- Off-exchange options
- Short-term coverage
- Subsidy optimization
Group Health Insurance
Employer-sponsored plans for small and mid-sized businesses — we shop all major carriers to find the best fit.
- Small group (2–50 employees)
- Mid-market plans
- Multi-carrier comparison
- Open enrollment support
Dental & Vision
Standalone dental and vision plans, or bundled with your health coverage for maximum value.
- PPO & HMO dental
- Vision plans
- Orthodontic coverage
- Bundle discounts
Medicare Solutions
Medicare Advantage, Supplement (Medigap), and Part D prescription drug plans for those 65+ or qualifying early.
- Medicare Advantage
- Medigap supplements
- Part D drug plans
- Annual plan review
Critical Illness & Accident
Lump-sum coverage that pays you directly when you need it most — for cancer, heart attack, stroke, and more.
- Cancer coverage
- Heart attack & stroke
- Accident benefits
- Hospital indemnity
Supplemental & Gap Plans
Fill the gaps your primary insurance leaves behind — hospital indemnity, gap plans, and more.
- Hospital indemnity
- Gap coverage
- Out-of-pocket protection
- Flexible benefit design
Process
Simple. Transparent. Stress-free.
Free Consultation
Tell us about your situation — family size, budget, current coverage, and any specific needs.
We Shop All Carriers
We compare dozens of plans across all major carriers so you don't have to.
Clear Recommendation
We present your best options in plain English — no jargon, no pressure.
Enrollment & Support
We handle the paperwork and stay with you through enrollment and beyond.
Why Official Onward
An independent broker on your side.
We are not captive to any one carrier. Our only job is to find the best plan for you.
Independent Broker
We work for you, not the insurance company. No carrier quotas, no hidden incentives.
Personalized Service
Real people who answer the phone and know your policy — not a call center.
Annual Plan Review
We proactively review your coverage every year to make sure you're still in the best plan.
Claims Advocacy
When you have a claim, we help you navigate it and fight for the coverage you paid for.