COVERAGE WITHOUT CONFUSION
For Individuals& Families
Access ACA-compliant health plans designed for clarity, transparent pricing, and trusted provider networks — so you can focus on health, not paperwork.
FIVE POINTS HEALTH INSURANCE
Affordable, Transparent Health Plans for Every Need
FivePoints delivers ACA-compliant coverage for individuals, families, students, and employer groups — designed for affordability, flexibility, and nationwide access to quality care.
BENEFITS WITH CONTROL
For EmployerGroups
Structured group health plans including MEC, U.S. Only, U.S. & Mexico, and Reference-Based Pricing options — built for compliance and cost transparency.
PROTECTION WITH SIMPLICITY
For StudentsGroups
Student health plans structured for institutional alignment, including SKY, OCEAN, and RBP options — with dependable network access and clear enrollment.
50+STATES + PUERTO RICO COVERED
8+YEARS SERVING MEMBERS
1M+NETWORK PROVIDERS NATIONWIDE
Recognized, Licensed, and Backed by Leading Networks
Trusted by Companies & Individuals From:
College StudentsSupreme Laundry & CleanersERIVES EnterprisesANDERSON Law FirmStone Masters & GraniteSouthwest UniversityAppleMetaAccentureSAPTeslaCloudflareCollege StudentsSupreme Laundry & CleanersERIVES EnterprisesANDERSON Law FirmStone Masters & GraniteSouthwest UniversityAppleMetaAccentureSAPTeslaCloudflare
Individual & Family Plans
Starting as low as $95/month
Real coverage for real life. Whether you're self-employed, between jobs, or just done overpaying — our Allegra Association Plans give you and your family access to over 1 million providers nationwide, with prescription benefits through OptumRX.
Employers & Groups
Starting as low as $69/month
Your employees deserve better than a bare-minimum plan. Our self-funded group health plans are ACA-compliant, competitively priced, and designed to help you attract and retain good people — without blowing your benefits budget.
Students & Colleges
Starting as low as $75/month
From community colleges to universities, our student plans are built for real student life — affordable, compliant, and backed by a network that works wherever school takes you.
Founding Story
Five Points was founded with a simple conviction: affordable, ACA-compliant health coverage should be accessible to everyone.
Eight years later, that conviction drives everything we do. We administer self-funded health benefit plans across five states, backed by the First Health Network's 1 million+ providers, with a team that takes personal accountability for every member we serve.
As a small law firm, finding affordable and comprehensive health coverage can be challenging. However, I hit the jackpot when our law firm enrolled in Five Points Benefit Plans' health benefit plans. The plan caters specifically to our needs by offering a range of benefits like prescription drug coverage, regular health screenings, and access to specialists.
Anderson
Immigration Law Firm
What we do
Five Points designs and administers ACA-compliant health benefit plans with a team that stays accountable to every member we serve.
Our mission
Our mission is to make quality health accessible and affordable for employer, families, self-employed individuals, and college students across America.
We do this by cutting through the complexity of the American healthcare system and delivering plans that are honest, compliant, and built around what members actually need.
Our services
We provide structured health plan solutions designed for compliance, clarity, and long-term sustainability.
Individual & Family Plans
Employer Group Plans
Student Health Plans
Learn more
Available for select visa plans
Network & Pharmacy Access
Testimonials
What Our Members Say
Every plan tells a story. Here's what our members say about their experience with Five Points.
Staff couldn't have been more pleasant, friendly and accommodating. Took a stressful situation (for me) and made it a very good experience.
Everyone was very professional. I would highly recommend Five Points
Amador Martinez
Being both a client and agent with Five Point Health Benefits, LLC has not only given me a fulfilling career but has also taken care of my well-being through their outstanding health benefit plans. I'm truly grateful to be part of an organization that genuinely cares about both client and employees' health.
Stone Masters & Granite
As a broker, my experience with Five Points Health Benefit Plans has been nothing short of exceptional. Their dedication to providing top-notch service and affordable coverage options sets them apart in the industry.
Jorge Trevino
Working with Five Points, I've found their team to be incredibly knowledgeable, responsive, and supportive. They go the extra mile to ensure that both brokers and clients have all the information they need to make informed decisions.
Joanne Ward
Whether it's providing timely assistance during enrollment periods, resolving issues quickly and efficiently, or offering ongoing support throughout the coverage period, Five Points Health Benefit plans have proven themselves to be a reliable partner time and time again.
Jennifer Kueffer
From the moment we enrolled, we experienced a level of care and support that exceeded our expectations. The comprehensive coverage options provided by Five Points Health Benefit Plans have given us peace of mind, knowing that we are adequately protected in times of need
Rene Ramos
I cannot express enough how grateful I am for Five Points Benefit Plans health benefit plans. As a working owner, having access to comprehensive coverage for my family's medical needs has been a lifesaver.
Supreme Laundry & Cleaners
Dry Cleaning Company
- 1
Find Your Plan
Start by telling us who you're covering — an employer group, your family, or yourself as a student or individual.
We'll match you to the right plan tier and walk you through exactly what you'd pay in-network before you commit to anything.
- 2
Enroll
Complete your enrollment application — individual, group census, or student form depending on your plan.
For groups of 10 or more, we handle census management so the process stays clean and organized on your end.
- 3
Get Your Coverage Details
Once enrolled, you receive your Schedule of Benefits and Summary of Benefits and Coverage — two documents that spell out exactly what's covered, what it costs, and how to use your plan.
No fine print surprises.
- 4
Access Your Network
Use the First Health Network provider locator to find in-network doctors, specialists, urgent care, labs, and hospitals across all 50 states. Your OptumRX prescription benefits activate at the same time.
- 5
We Stay Accountable
Coverage doesn't end at enrollment. Our team is available Monday through Friday with a resolution promise on every member healthcare need.
Questions, claims, billing — we handle it.
Let's get you covered
Your Coverage Starts Here.
Review your options, understand your costs, and enroll in a plan that's built to last — ACA-compliant, backed by 1 million+ providers, and administered by a team that picks up the phone.
TEXAS TPA LICENSE #2989341CALIFORNIA TPA LICENSE #OM72911ARIZONA TPA LICENSE #505361367
MISSISSIPPI TPA LICENSE #15039939NEW MEXICO TPA LICENSE #3000634697