Our Process
Simple. Strategic. Built Around You.
At Obsidian Health & Life, we’ve refined a process that removes the confusion from health insurance and replaces it with clarity and confidence. Our goal is simple: help you find the right coverage without the stress, guesswork, or wasted time.
Step 1: Initial Consultation
We start with a quick, no-pressure conversation to understand your situation.
We’ll go over:
Your current coverage (if any)
Your budget and priorities
Doctors, prescriptions, and specific needs
This allows us to build a clear picture of what actually works for you—not just what’s available.
Step 2: Market Search & Plan Matching
Once we understand your needs, we do the work behind the scenes.
We:
Compare multiple top-rated carriers
Analyze both private and marketplace options
Filter plans based on value, not just price
You’re not stuck searching online—we bring you the best options directly.
Step 3: Personalized Plan Review
We walk you through your options in a clear, simple way.
No jargon. No confusion.
We break down:
Monthly premiums
Deductibles & out-of-pocket costs
Coverage strengths and limitations
Our goal is to make sure you fully understand what you’re getting—before you make a decision.
Step 4: Enrollment & Setup
Once you’re ready, we handle the entire enrollment process with you.
We:
Complete applications together
Ensure accuracy (no costly mistakes)
Confirm your coverage is active
Everything is done efficiently and correctly the first time.
Step 5: Ongoing Support
Our relationship doesn’t end after enrollment.
We’re here for:
Policy questions
Plan changes
Claims guidance
Annual reviews
