Health Insurance

Individual Medical, Travel, International Student and Trip Protector Insurance.

Individual health insurance options are for those not covered by an employer, are self-employed with no payrolled employees, and those who would like to compare the cost to COBRA as they are transitioning between jobs.

Individual coverage is guaranteed issue except under a few circumstances.  With the Affordable Care Act,  open enrollment commences November 1st of each year and goes through January 31st. For the 2018 plan year many counties will see Anthem withdrawing from the marketplace leaving only one carriers available in some counties.

An important fact to know, is the direct plans (direct through broker/carrier) versus Covered California are the same plans also known as mirrored plans – with the difference being eligibility for a subsidy.  If you do, then we can work together through Covered California.  If you do not qualify, then you may choose to work directly with us outside of Covered California.

Something else to know is you will  pay the same cost for shopping directly or online as working with a broker who knows how to navigate the maze of choices. It benefits you to have unbiased assistance to find the coverage that best suits your needs. It is always an option to shop coverages and apply online yourself. You may click directly through to the carriers we work with, get quotes and apply online now to the following carriers:

Or, please feel free to have us assist you in choosing the best option in cost/value for your unique needs.

Medical Coverage for Businesses

Medical coverage is available down to group sizes of two for businesses. Due to Assembly Bill 1672, as long as you meet the requirements for a group, the business can not be declined for coverage. There are many plan offerings available and rates are the same from agent to agent. Rates are based on the rate area and size of the group, not on the agency that quotes your coverage. Small group medical packages available include health, dental, life, vision, short-term and long-term disability and long term care. Please feel free to contact us at 805-898-2770. We would be happy to assist you!

*Individual Pre-65 coverage for 2018 only  available in the following areas: Redding/Far North, Santa Clara County, Stockton/Modesto