Certified through Covered California to enroll individuals, families, and small employers in subsidized ACA marketplace plans, At The Point Insurance Services runs the health-side of insurance from a Fourth Avenue office in Hillcrest. Open enrollment cases routinely involve premium tax credit reconciliation and 1095-A coordination, the kind of crossover where clients also work with JW Financial on year-end filings. Beyond exchange plans the agency writes Medigap supplements for Medicare-eligible clients, employer group coverage through Covered California for Small Business (CCSB), dental, and term life. Group quoting walks employers through CCSB defined-contribution structures alongside private SHOP carriers, an exercise often paired with retirement plan design at Mission Hills Financial Advisory LLC. The most involved engagements are full small-employer health benefit builds where metal tiers, dependent rules, and waiting periods are tuned so a 5–50 employee group lands inside ACA affordability safe harbors without triggering employer mandate penalties.