Welcome to Online Health Insurance Help 101 | About Us

Welcome to Online Health Insurance Help 101

We get it — figuring out health insurance can feel like cramming for a test you didn’t sign up for. That’s why we built OnlineHealthIns.com to be your go-to cheat sheet, guidebook, and friendly helper for all things health insurance.

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Our Mission: To Make Health Insurance Less Confusing

Whether you're shopping solo, helping your family, or you're self-employed and overwhelmed by options, we simplify the process with worksheets, plan comparison tools, and plain-English explanations. No corporate jargon. No pressure. Just real help.

Why “Health Insurance Worksheet 101”?

Most people searching for health insurance don't need a sales pitch — they need a plan. That’s where our free, downloadable worksheet comes in. It's your step-by-step starter to:

  • Identify what kind of coverage you actually need
  • Compare plans without feeling lost
  • Ask the right questions before you commit
  • Avoid overpaying for stuff you don’t need

Who We Are

We’re a small but mighty team with experience in SEO, health insurance marketing, and digital consumer education. Our founder, Krisada, brings over 25 years of helping people find clarity online — and now, we’re bringing that to the health insurance space.

Who This Site Is For

If any of these sound like you, you’re in the right place:

  • You're comparing plans during Open Enrollment and want clarity.
  • You're newly self-employed and don't want to pay more than you have to.
  • You're helping a loved one navigate their coverage options.
  • You're tired of feeling like you’re the only one who doesn’t “get” how this all works.

Ready to Start? Download the Free Worksheet

Click here to download our Health Insurance Worksheet 101 and take your first confident step toward coverage that actually fits your life and budget.

OnlineHealthIns.com is here to help you move from confused to confident. This isn’t about selling plans. It’s about understanding them — and making better choices for your health, your wallet, and your future.

 

Legal Info & Disclaimers

Online Health Insurance is an educational resource that helps people understand health insurance basics and connect with licensed professionals and official enrollment channels. We are not an insurance company and do not underwrite or bind coverage.

What We Do

  • Publish plain-language guides and checklists about plan types, costs, and enrollment timelines.
  • Link to official resources like HealthCare.gov and state marketplaces.
  • Introduce visitors to licensed agents/partners when requested.

What We Don’t Do

  • We do not sell, solicit, or negotiate insurance where we are not licensed.
  • We do not provide legal, tax, or medical advice.

Contact

  • Message/Text: (407) 375-9915 (Text only)
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Health Insurance 101 Worksheet

Use this worksheet to get organized before shopping for health insurance. Open the PDF to download it. Then fill in each section so you can compare plans with confidence.

1. Personal Information

  • Name: __________________________
  • Age: __________________________
  • Household Size: __________________________
  • Dependents (Spouse/Children): __________________________

2. Current Coverage

  • Do you have insurance now? Yes / No
  • If yes, what type? Employer / Marketplace / Medicaid / Medicare / Other
  • When does it end (if expiring)? __________________________

3. Healthcare Needs

  • Doctors or specialists you need covered:
    __________________________________________
  • Medications you take regularly:
    __________________________________________
  • Expected medical services this year:
    (e.g., surgery, maternity, mental health)
    __________________________________________

4. Budget

  • How much can you pay monthly? $__________________________
  • How much could you afford for an emergency bill (deductible)? $__________________________
  • Preferred balance: Lower monthly cost / Lower out-of-pocket cost

5. Plan Comparison

When reviewing plans, fill in the table below:

Plan NameMonthly PremiumDeductibleDoctor NetworkPrescription CoverageNotes
________________ $__________ $__________ Wide / Limited Yes / No ________________
________________ $__________ $__________ Wide / Limited Yes / No ________________

6. Questions to Ask

  • Are my doctors in-network?
  • Does this plan cover my medications?
  • What’s the max out-of-pocket cost?
  • Is preventive care free?
  • Does this plan qualify for government help or discounts?

Tip: Have this completed worksheet in front of you when talking to an insurance agent or using an online marketplace. It will save you time and help you avoid costly mistakes.

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Florida Licensing Disclosure

Our Status in Florida

Online Health Insurance is an educational publisher. We are not licensed as an insurance agency or agent in Florida and do not sell, solicit, or negotiate insurance. When you request help, we can introduce you to licensed Florida agents or insurers. Any quotes, applications, or policy services occur directly with those licensed parties.

Consumer Assistance

  • Florida DFS Consumer Helpline: 1-877-MY-FL-CFO (1-877-693-5236) • Out-of-state: (850) 413-3089
  • Online Service Requests/Complaints: apps.fldfs.com/eservice

Florida law prohibits unlicensed insurance activity. If you have concerns about advertising or solicitation, contact the DFS Consumer Helpline above.

Last updated: September 28, 2025.

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About Us

Online Health Insurance is an educational resource that helps people understand health insurance basics and connect with licensed professionals and official enrollment channels. We are not an insurance company and do not underwrite or bind coverage.

What We Do

  • Publish plain-language guides and checklists about plan types, costs, and enrollment timelines.
  • Link to official resources like HealthCare.gov and state marketplaces.
  • Introduce visitors to licensed agents/partners when requested.

What We Don’t Do

  • We do not sell, solicit, or negotiate insurance where we are not licensed.
  • We do not provide legal, tax, or medical advice.

Contact

  • Message/Text: (407) 375-9915 (Text only)

Last updated: September 28, 2025.

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Non-Discrimination Notice

Online Health Insurance does not discriminate in its informational services or referral practices on the basis of race, color, national origin, sex (including pregnancy, sexual orientation, gender identity), age, disability, or religion.

Language & Accessibility Assistance

We aim to make our information accessible to all visitors. If you need language assistance or an accessible format, contact us and we will work to provide reasonable assistance or a referral.

  • Message/Text: (407) 375-9915 (Text only)

Note about ACA Section 1557

If you enroll in coverage through a covered entity (such as a health plan, provider, or organization receiving federal financial assistance), that entity’s Section 1557 nondiscrimination and language-access policies apply to its health programs and activities. We will direct you to those notices when applicable.

Last updated: September 28, 2025.

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Health Insurance Disclaimer (Website Use & Educational Content)

Disclaimer:
The information provided on OnlineHealthIns.com is for educational and informational purposes only. It should not be considered legal, financial, or health insurance advice. While we strive to keep our content accurate and up to date, insurance laws, regulations, and plan details may change at any time.

  • We are not an insurance company, and we do not guarantee coverage, plan availability, or eligibility for government programs.
  • Any insurance decisions should be made only after reviewing official plan documents and consulting with a licensed insurance agent, broker, or advisor who can provide personalized guidance.
  • References to government programs (such as Medicare, Medicaid, ACA Marketplace plans, subsidies, or tax credits) are provided for general understanding and do not guarantee qualification.
  • OnlineHealthIns.com assumes no liability for errors, omissions, or any outcomes related to the use of this information.

By using this website, you acknowledge and agree that you are responsible for verifying any insurance information with official sources or licensed professionals before making decisions about coverage.