The coverage your people actually deserve.
The best talent has options. Ona gives you a benefit package that competitors simply cannot match — $0 cost sharing for every member, every time. Attract the people you want. Keep the people you have. Build a team that knows you invested in them.
A better way forward
Traditional insurance was designed around a different era. Deductibles that reset every January. Copays that make a simple doctor visit feel like a financial decision. Premiums that go up year after year without a corresponding improvement in the experience.
Ona was built from scratch with one question in mind: what would health insurance look like if it were actually designed around the member?
The Ona model
Ona handles billing, claims, compliance, and physician payment. You write one check. Your people go to the doctor the way they should.
Ona pays doctors the moment a member walks in the door — at rates that make providers want to see Ona members. No waiting. No billing delays. Just care.
One monthly invoice covers everything. No EOBs to decode. No surprise bills. No claims your HR team has to chase. Ona owns the entire administrative stack.
Ona runs on a level-funded ERISA captive model — giving employers cost predictability, full transparency, and meaningful protection against high-cost claims.
A flat admin fee per enrolled member. No hidden markups. No complexity. You know exactly what Ona costs and exactly what every member gets.
Why physicians love Ona members
Most insurance pays physicians 60 to 90 days after a visit. Ona pays at check-in. That changes the relationship between provider and member entirely — and it’s why Ona members get the best care in the network, every time they walk through the door.
Already a member?
The Ona member portal puts everything in one place — start a telehealth visit, view your RadCard, look up your prescriptions, check your benefits, and manage your account. All of it. Right now.
Ready?
Takes 2 minutes. No commitment. We come back with a real per-soul quote — not a range, not an estimate.
Get a free quote →For employers
Built for Maryland employers with 20–200 employees. Here’s exactly what Ona does for your team — and for your bottom line.
The four zeros
Attract & retain talent
Top candidates are evaluating your offer against other offers. When you can say “$0 copay, $0 deductible, zero out-of-pocket costs for you and your family” — that conversation changes. Ona gives you a benefit that most companies don’t offer. Use it.
And for the people already on your team: showing them you chose a plan that puts their health first is its own kind of retention. People stay where they feel taken care of.
Zero cost sharing is a differentiator in any job market. Ona gives you a benefit story that’s easy to tell and hard to match.
Loyalty isn’t built with ping-pong tables. It’s built when an employer makes a decision that puts the employee’s wellbeing first.
Administrative simplicity
Ona consolidates everything — claims, administration, member support — into a single monthly invoice. Your HR team stops fielding benefits complaints. Your finance team stops decoding EOBs. Everyone gets their time back.
Explanation of Benefits documents go away. One invoice replaces all of it. Clear, itemized, and understandable.
No more fielding calls about claim denials or billing confusion. Ona handles member support directly. Your team focuses on your business.
Per-soul pricing means you know your number every month. No end-of-year surprises. No reconciliation headaches.
When claims come in below projections, that surplus comes back to you — not a carrier. Take it as a payment or roll it forward to offset next year’s costs. Either way, the incentive is yours.
How it works
Submit your employee census. Ona’s automated pipeline processes it and returns a fully itemized per-soul quote — typically within 24 hours.
Ona handles all onboarding. No coordination maze. No ID card waiting game. Your HR team stays out of it.
Digital RadCard in every member’s pocket from day one. $0 at every point of care from the very first visit.
Everything consolidated into a single transparent monthly invoice. One number. One payment. Full visibility.
Ready to see your number?
No commitment. No ballpark. A real quote built from your actual census — back to you within 24 hours.
Get a free quote →For brokers & advisors
Ona was built with brokers in mind. You bring the relationship. We bring a product that sells itself — and pays you residually for the life of every group you place.
Why brokers choose Ona
Every group you place with Ona pays you a per-soul residual for the life of that group. As your book grows, so does your passive income. Every renewal, every year.
When you say “$0 copay, $0 deductible, $0 out-of-pocket, 47% cheaper” — every CFO in the room leans forward. Ona gives you a story that wins the meeting.
Automated census processing, branded quotes, a 1099 residual planner, and a dedicated Ona contact for every group. You close. We handle everything behind it.
The small-to-mid group segment is where you spend most of your time — and where Ona delivers something the big carriers simply cannot match.
How broker compensation works
Traditional carrier compensation is front-loaded and declining. Ona flips that model. Every soul you enroll earns you a residual — month after month, group after group. The more groups you place, the more your passive income compounds. There’s no ceiling.
Ona also provides a 1099 residual wealth planner so you can model exactly what your book looks like at 6, 12, and 24 months. You should be able to see your own trajectory clearly.
The compounding effect
The comparison
| Feature | Ona Insurance | Traditional Carrier |
|---|---|---|
| Member copay | $0 — always | $25–$75 per visit |
| Deductible | None | $1,500–$7,500/year |
| Out-of-pocket max | $0 | Up to $9,100 (ACA max) |
| Physician payment speed | Instant — at check-in | 60–90 days |
| Employer billing | One monthly invoice | Complex multi-invoice |
| Cost vs. market | ~47% less | Market benchmark rate |
| Broker compensation | Per-soul residual, life of group | Declining commissions |
Partner with Ona
Submit your info and an Ona team member will be in touch within one business day to walk through how the partnership works for your book.
Start the conversation →About Ona
Ona Insurance was built because someone decided to stop waiting for the system to fix itself — and built something better instead.
Our mission
For too long, small and mid-size employers have had two choices: overpriced fully-insured plans that gave employees difficult coverage experiences, or complex self-funded options that required benefits consultants just to understand.
Ona collapses that complexity into one product, one price, and one promise: $0 cost sharing for every member, every time.
We believe that everyone is entitled to healthcare. That being healthy is a right, not a privilege. And that the structure of insurance should reflect that belief — not contradict it.
The Soul Promise
“Every member — every single one — gets care without cost standing in the way.”
This is an operational commitment baked into every contract Ona signs. Not marketing language.
How we’re built
Ona operates on a self-funded ERISA plan structure that gives employers full claims transparency, regulatory protection, and meaningful cost predictability.
Census processing, quote generation, and enrollment automation all run on a purpose-built pipeline. Fast, accurate, and built to scale.
Every member gets a digital RadCard from day one. One tap to verify coverage, find a provider, or confirm benefits. No phone trees. No paper.
Where we operate
Ona is currently enrolling employers in Maryland. As we grow, we’re expanding throughout the DMV — Washington D.C. and Virginia — building the right way in each market before moving to the next.
Get a quote
No ballpark. No generic range. A real per-soul quote built from your actual census. Fill out the form and we’ll be back fast.
No spam. No unsolicited calls. A real number from a real person within 24 hours.
We’ll have your quote back within 24 hours. Want to speed things up? Reply to our confirmation email with your census file attached.
Back to homeContact Ona
Whether you’re an employer, a broker, or just curious about what Ona can do — reach out. A real person will get back to you fast.
Reach us directly
No spam. No pressure. Just a real conversation about what Ona can do for you.
We’ll be back in touch within one business day. While you’re here — want to see what Ona would actually cost for your team?