Started four years ago when health care reform in the U.S. passed, Nobska Point Insurance chose to specialize in the affordable insurance space to meet the needs of an under-served population. Initially focusing on drivers within the transportation industry, we soon realized that for many people, the cost of obtaining health care services was a significant roadblock to seeking care. For these same people, understanding the modern health care marketplace and navigating through an often-times complex enrollment process was as a big of an obstacle as cost.
On top of that, there was a serious lack of knowledgeable and trustworthy insurance experts willing to ethically assist people in making one of the biggest decisions of their lives. Consumers were sold unnecessary products that did not meet basic health reform requirements by people who did not understand the intricacies of each individual's situation. With these things in mind, Nobska Point Insurance made it a mission to learn from, and better understand, the concerns and needs of our customers.
Expanding to serve independent contractors, small business owners, and their families, we combine specific industry knowledge with modern technology and digital platforms to best engage our customers.
In November 2015, we were featured on Ask the Trucker's podcast "Owner Operators can Afford Private Health Insurance".
As licensed experts, we assist individuals, families and small businesses find affordable health (including separate dental and vision options), life and disability insurance coverage. We shop, compare and outline multiple options to find the right product for your needs based on coverage and price.
As specialists in subsidized health care, we are an excellent resource for when you are ready to check out plans. We sort through plans, deductibles, and networks, and review policies that make sense for you and your family. We walk you through the entire process from applying for a plan to how to pay your monthly premiums, and provide support for any questions you may have regarding eligibility, tax credits and cost-sharing subsidies, and submitting follow-up documentation.
We don't represent the insurance companies, which means we can we get you the best deal and fit by combing the market.
We believe that a great agency places a higher value on the role of service rather than competitive sales. The industry is full of inexperienced brokers with little understanding of the responsibilities, and trust, that comes with the broker-client relationship. We take pride in our customer-centric business model that not only helps you find exactly what you're looking for, but deepens our business relationship into a valued, personal one. We take our time with each client, and will never up-sell you something you don't need or can't afford just to make a sale.
Nobska Point's services are free - we earn a basic commission from the insurer's rates. Your premiums for any insurance products you acquire are paid directly to the insurance companies, with no extra fees paid to us.
Our professionalism stems from our maintained independence that comes with the advantages of market, law, and industry knowledge. And, as small business people, we are part of a connected community. We work for you, just as you do!