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California health insurance     Individual Health Plan Center

Your California Individual Health Insurance Hub

Summary of the Individual Family Market:

Individual health insurance in California is for people who do not have group or government health options and need to purchase their own private health coverage. The market itself is very dynamic and frankly, confusing plus the shoppers are generally not well versed in health insurance terminology since they typically shop once every seven years for this type of coverage.

This market is the most affected by the ACA law so we will focus on how to navigate the new Covered California market to YOUR advantage.

First, let's look at the key points to understand:

Key Points for Individual Family California Health 

Individual is no longer medically underwritten. You do not have to qualify based on health.

Contracts are month to month which means that you can cancel any month and renew up to age 65 as long as payment is made.

Currently, there are 4 standardized benefit levels (Bronze, Silver, Gold, and Platinum)

Self employed individuals may be able to deduct 100% of this type of insurance.

Payment is generally not required immediately although the policy will not be "activated" until first payment is received.

Rates are standardized which means that the rates shown in our instant quote are best available on the market.

Maternity is mandated coverage on all new plans. Preventative is covered at 100%.

Dominant carriers in the California individual market are Anthem Blue Cross, Kaiser, Blue Shield of California, Health Net with smaller regional carriers in that order.

Here's the big change and real the gist of the ACA law itself..

There are large tax credits available based on income which can significantly reduce your month premium and/or offer you richer benefits

We now have Open Enrollment windows (generally Nov 15th-Feb 15th) during which to apply or change plans.  Otherwise, we need to qualify based on Special Enrollment triggers.  We can help you evaluate if you fall in one of these categories.


Quoting health insurance used to be pretty straight forward but those days are gone.  It's best to run through your situation with us, Certified Covered California Agents, to find out which option is best.  Call 800-320-6269 and we can quickly establish if you are eligible for a tax credit, eligible to enroll at this time, and what level of plan is the most cost advantageous. 

You can run your Individual Health Plan Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!


In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!

Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:

Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

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Our Services are FREE to You is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.