Ocean Shore Healthcare
Health coverage that actually fits your life and your business.
Individual, family and group plans across Florida, Texas and Pennsylvania — quoted side by side, against your real doctors and your real numbers. Independent appointments mean the recommendation follows your providers, not one carrier’s contract.
What you get on the call
- A verified check on whether your doctors, hospital and pharmacy are in network
- Individual and family options — on-exchange and off
- An honest read on whether your business qualifies for a group plan
- Your true annual cost and worst-case exposure, in writing
- No cost, no obligation, no pressure to move if moving isn’t right
How Josh helps
Three kinds of coverage, one conversation
Individual & family
On-exchange, off-exchange, and the plans the marketplace never lists. Family deductibles explained properly, HSA-qualified designs where they fit, and dental, vision and supplemental layers that make a high deductible survivable.
How family deductibles work →Self-employed
The subsidy cliff, income reconciliation at tax time, and whether your business actually qualifies for group-rate coverage — which more small businesses do than realize it.
Do you qualify? →Groups of 5 to 200
Full-service setup: census, multi-carrier marketing, plan design, employee enrollment meetings, payroll and Section 125 paperwork, then year-round claims support. HR does not chase forms.
Funding models explained →
Joshua Jennings
Independent Health Insurance Agent & Broker · Licensed since 2018
Josh works with individuals, families and small employers across Florida, Texas and Pennsylvania. Independent appointments with Cigna, Aetna, Blue Cross Blue Shield and UnitedHealthcare mean the recommendation follows your doctors, not one carrier’s contract.
Florida license W474699 — class 0215 — Life Including Variable Annuity & Health, issued 03/19/2018. Non-resident licensed in Texas and Pennsylvania. Verify
The carriers
Four networks, and what each is genuinely good at
None is universally best. The right answer depends on where you live, who you already see, and what you take. Here is an honest read on each.
Free download
The Self-Employed Owner’s Guide to Individual, Family & Group-Rate Coverage
Thirteen pages: what the marketplace won’t tell you, how family deductibles really work, the ten questions to ask any agent, red flags that should end a conversation, and a worksheet for finding your true annual cost.
Get the free guideLatest
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The clock is usually 60 days, and most people spend 40 of them researching instead of calling.
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A plan with a beautiful deductible is worthless if your cardiologist is out of network.
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