Florida-based · licensed in 37 states
One less thing
to worry about.
We're Monica and Bryan — independent brokers, not an insurance company. We help individuals, families, the self-employed, and small businesses compare real coverage and understand what they're buying. And from choosing your plan to navigating a confusing medical bill, we're still here.
Independent brokers — not an insurance company. We compare across carriers, explain the trade-offs, and stay reachable long after you enroll.
What brought you here?
Start with your situation, not a product.
Nobody wakes up wanting to buy hospitalization coverage. Pick the line that sounds most like you.
- I need health insurance for myself or my familySee how this works →
- I'm self-employed or 1099Coverage without an employer →
- I need benefits for my employeesSmall-business benefits →
- My current plan costs too much — or isn't workingGet a plan review →
- I'm losing my coverageWhat to do first →
- I need help with a claim or a medical billGet claims help →
- I want supplemental or life protectionWhat we cover →
Why One Less Thing
Insurance doesn't end when you get your ID card.
Plenty of people will sell you a policy. The part that actually decides whether insurance works for you happens afterwards — and that's the part we're still here for.
1
Find the right fit
We compare real options across carriers against your doctors, your prescriptions, and what you can actually spend — then tell you which trade-offs matter.
2
Understand what you bought
You leave knowing what your plan covers, what it doesn't, and what it would leave you owing. No one should discover their deductible at a hospital desk.
3
Have someone in your corner
When a bill looks wrong, a claim is denied, or a provider says they don't take your insurance — you call us. That part doesn't expire.
Who we help
Families, freelancers, and small teams — plus everyone stuck with a plan they can't read.
Individuals and families, the self-employed and 1099, small businesses offering benefits, people who've just lost coverage, and people who already have insurance and simply need help using it.
That last one matters: you don't have to have bought the plan through us for us to help you read it.
Claims & billing advocacy
The day it goes wrong, you call us — not a 1-800 number.
"Great customer service" means nothing until you know what it covers. Here is what people actually bring us, and what we do about it.
An EOB you can't decode
The “this is not a bill” letter. We read it with you: what was charged, what the plan allowed, what it paid, and what is genuinely yours to pay.
A bill that's bigger than you expected
Before you pay it, let us look. Billing errors, duplicate charges, and services that should have been covered are common enough to be worth an hour of someone's attention.
A denied claim
A denial is a decision, and decisions can be appealed. We help you work out why it was denied and what the plan's own process says happens next.
“We don't take your insurance”
Sometimes true, often a misunderstanding at a front desk about which network a plan uses. We help you find out which it is before you cancel an appointment.
Questions before a procedure
The cheapest time to understand your coverage is before it happens. Ask us first and you find out what you'll owe while you can still plan around it.
What our clients say
Kind words we didn't write
“I can't thank Monica enough for her outstanding ability to understand and offer assistance. The benefits I received exceeded my expectations. It's a great feeling knowing I have quality coverage.”
“Impressive industry knowledge. Monica & Bryan's expertise helped me navigate complex insurance options effortlessly. Trustworthy and reliable. Highly recommended!”
“Outstanding customer service! The team at One Less Thing Insurance went above and beyond to ensure my needs were met. Friendly, knowledgeable, and attentive. I'll be referring friends and family.”
Worry less. Heal more.
A husband and wife who answer their own phones
At One Less Thing Insurance, our mission is simple: take the stress out of health insurance and help you find coverage that truly fits your life.
We're a family-run business, and we believe in real relationships with our clients. When we're not helping people navigate their health insurance, you'll find us outside with our dogs, supporting our local community, and enjoying the outdoors. We bring that same energy and care into everything we do.
Tell us what you need
Tell us what's going on. We'll take it from there.
Start with the form, a call, or a scheduled chat — whichever feels easiest today.
- Real options from a licensed advisor — not a lead-gen call queue
- Plain-English answers, whether or not you buy anything
- The same two people, before and after you enroll
Explore my options
Tell us where you're starting from — we'll come back with real options, not a call queue.
Good questions
Asked all the time
Does using an advisor cost me anything?
In most cases, there is no additional cost to work with us. We're typically compensated by the insurance carrier when you enroll. If a situation ever involves a separate fee, we'll tell you upfront.
What actually is an independent broker?
It means we don't work for an insurance company — we work for you. A captive agent can only sell you their one company's plans, so every answer has to be that company. We can compare across carriers and tell you where the trade-offs are, including when the honest answer is that your current plan is fine.
What's the difference between you and shopping a marketplace myself?
A marketplace shows you plans; it can't tell you which one fits your doctors, your prescriptions, or your budget — and it isn't there when a claim goes sideways. We shop private coverage across carriers, explain the trade-offs in plain English, and stay with you after you enroll.
I already have a plan. Will you look at it honestly?
Yes — that's a plan review, and sometimes the honest answer is "keep what you have." We'll show you what your plan covers, what it would leave you owing, and what else exists. You decide.
Where we're licensed
Licensed in 37 states
We're a Tampa Bay health insurance brokerage, but where you live only decides whether we're licensed there — not how well we can help. Somewhere else? Ask anyway: if we can't help, we'll say so straight away and point you somewhere honest.
One less thing
Your healthcare shouldn't be stressful.
Keep the beach walks. Hand the worrying to two people whose names you know — we'll be here before you enroll, and long after.