Florida-based · licensed in 37 states
One less thing
to worry about.
We're Monica and Bryan — husband-and-wife insurance advisors. We find coverage that actually fits families, the self-employed, and small businesses, and we stay on your side long after you enroll.
Protection for you and your family
Tell us what's going on. We'll take it from there.
Health insurance is our whole job — finding it, explaining it, and standing next to you when you actually need to use it. 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
Request a quote
Tell us where you're starting from — we'll come back with real options, not a call queue.
Which one sounds like you?
Three ways people land here
My plan costs too much — or isn't working
“My insurance is too expensive, or it's not working the way I thought it would.”
Something happened, and I'm lost in the paperwork
“I have a large claim and I feel lost. I don't understand my bill. Did my insurance even pay anything?”
What we cover
Five kinds of protection, one plan that fits
Hospitalization
Coverage for hospital stays is crucial because it safeguards you from unexpected medical expenses that can quickly accumulate during an extended hospitalization.
Outpatient Care
Coverage for outpatient care is essential as it helps you manage and maintain your health outside of a hospital setting.
Life Insurance
Life insurance is a vital tool for providing financial security and peace of mind to your loved ones in the event of your passing.
Accident & Critical Illness
Critical illness coverage is of utmost importance as it provides financial support when you need it most, in the face of a serious illness.
Short Term Disability
Short-term disability coverage plays a crucial role in safeguarding your income and financial stability when you experience a temporary inability to work.
Not sure what you need?
That's normal — most people aren't. Start with your situation, not a product, and we'll map it together.
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.
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.”
“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.”
“Impressive industry knowledge. Monica & Bryan's expertise helped me navigate complex insurance options effortlessly. Trustworthy and reliable. Highly recommended!”
Where we're licensed
37 states and counting
AL · AR · CA · CO · CT · DE · FL · GA · ID · IL · IN · IA · KS · KY · LA · MD · MI · MN · MS · MO · MT · NE · NV · NY · NC · OH · OK · OR · SC · SD · TN · TX · UT · VA · WI · WV · WY
Somewhere else? Ask anyway — if we can't help, we'll say so straight away and point you somewhere honest.
Good questions
Asked all the time
Does using an advisor cost me anything?
No. We're paid by the insurance carriers when you enroll — the price of a plan is the same whether you buy it through us or on your own. The difference is that with us, someone reads the fine print before you do.
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.
In their own words
Your healthcare shouldn't be stressful.
That line opens the little film they made when the agency began — worry washed off the sand, a family at golden hour, worry less, heal more. The whole business plan is in it.