California health insurance - About Us
CALHEALTH.NET
two decades of helping Californians find affordable health insurance
Goodacre Insurance Services
316 Mid Valley Center #283
Carmel, Ca 93923
Call Nationwide and Toll Free: 800-320-6269
License: CA#0F05234, 0B33064, 0C65199
Nationwide: 800-320-6269
Fax#: 888-758-2122
E-mail: help@calhealth.net
Maybe most importantly...
Our Assistance is 100% Free to You.
- Certified Covered Ca Agents. Check!
- Licensed California Health Agents. Check!
- Independent Agents contracted will all major carriers. Check!
You have an advocate in the market. About time!
Check out our Google Reviews!
And not a second too soon. Everything has changed since 2014. Everything!
California health insurance - Meet Our Team
Meet the Team Behind CalHealth.net
Real People. Real Licenses. Real Help.
CalHealth.net (Goodacre Insurance Services Corp.) is an independent, California-licensed health insurance agency that helps individuals, families, seniors, and small businesses across California compare and enroll in Covered California, Medicare, and private health plans — free of charge, at the same rate as going direct.
We are a California family agency that has been doing exactly one thing since
1999... helping Californians figure out health insurance without the confusion
or the sales pressure.
5.0 stars | 142 Google Reviews | Goodacre Insurance Services
A California Family Agency. Since 1999.
When you contact CalHealth.net, you're talking to one of three licensed agents, all with the same last name, all based in Carmel, California. No call center. No scripts. No quotas. Just people who genuinely know this market and want to help you figure it out.
Health insurance in California is legitimately complicated. Covered California, Medicare, Medi-Cal, subsidies, networks, plan years. We built this entire site (1,400+ pages of free information) and a growing YouTube channel around one idea: make it understandable. That's it.
Our assistance is 100% free to you. Your rate is identical whether you go through us or directly to the carrier. We're paid by the carriers, not by you.
Dennis Jarvis, Principal
Licensed California Insurance Agent Since 1999 | 26 Years Experience
Dennis is the person behind most of what you read on CalHealth.net, and the face behind the YouTube channel that has grown to 5,000+ subscribers in just two years. His approach is the same whether it's a video, an article, or a phone call: take something genuinely confusing and make it actually make sense.
He has been a licensed California health insurance agent since July 1999, which means he was navigating this market before the ACA even existed. He has seen every major shift this industry has gone through and helped thousands of Californians through all of them.
Dennis is licensed across all major California carriers including Anthem Blue Cross, Blue Shield, Kaiser, Health Net, and Aetna, which means he can compare them objectively and tell you which one actually makes sense for your situation. He is also a Certified Covered California agent.
Outside of work, Dennis has been married to Andrea since 1999 and is the father of two. The conversational, no-jargon approach you see across this site? That is just how he talks.
Andrea Goodacre-Jarvis, Co-Founder
Licensed California Insurance Agent Since 1994 | 30+ Years Experience
Andrea founded what is now Goodacre Insurance Services Corp. back in 1994, starting her insurance career as a female business owner at a time when that was not nearly as common as it is today. She built the foundation that CalHealth.net stands on.
With over 30 years in California health insurance, Andrea has the kind of experience that is genuinely hard to find. She has worked through every major market shift including pre-ACA, post-ACA, Covered California's launch in 2014, COVID-era enrollment changes, and everything in between. When a client has a complicated situation, Andrea has probably seen something similar before.
She holds a California Insurance Producer license qualified in Accident and Health or Sickness and Life, and is a Certified Covered California agent. Andrea and Dennis have been married since 1999 and are parents of two.
Alexander Jarvis, Agent
Licensed California Insurance Agent Since 2024 | Insurance and Media
Alexander is the newest addition to the family agency and he brings something genuinely different. He grew up watching his parents explain health insurance to real people for 25+ years, so the subject matter is in his DNA. But he also came up in the era of YouTube and digital content, which means he approaches the question of how to make this understandable from a completely different angle.
Alexander earned his California Insurance Producer license in July 2024, qualified in Accident and Health or Sickness and Life. He works directly with clients and plays a key role in CalHealth.net's video and content production, helping produce the YouTube channel that has become one of our fastest-growing ways to reach Californians trying to figure out their options.
If you are a younger Californian navigating health insurance for the first time, Covered California, subsidies, what plans actually cover, Alexander gets where you are coming from. He has been there recently himself.
Goodacre Insurance Services Corp.
Independent California insurance agency. Not tied to any single carrier, no quotas to fill. Our only job is finding the right plan for your situation. Independent since 1995. Licensed agency since 1999.
Want to verify our licenses? Please do.
Every California insurance agent is on record with the California Department
of Insurance. We encourage you to look us up. Our record is clean across all
three agents and the agency. No complaints, no disciplinary actions, ever.
Click here to search at the CA Dept. of Insurance and enter any license number below.
What CalHealth.net Is
CalHealth.net is an independent, California-licensed health insurance agency (Goodacre Insurance Services Corp.) that helps individuals, families, seniors, and small businesses across California compare and enroll in Covered California, Medicare, and private health plans — at no cost, for the same premium as going direct.
What CalHealth.net Does
Covered California & Individual / Family Plans
We help you compare on- and off-exchange plans, calculate your ACA premium tax credit, and enroll correctly the first time — avoiding the subsidy and Medi-Cal mistakes that cost self-enrollers money each April.
Medicare (Advantage, Medigap & Part D)
We walk people turning 65, and those already enrolled, through Advantage vs. Medigap, drug coverage, and California's Birthday Rule, then match them to the plan that fits their doctors and budget.
Small Business Group Coverage
We set up and manage California small-group health plans — often with broader networks than individual coverage — and handle the paperwork and renewals for the employer.
Medi-Cal, Dental, Vision & Life
We provide guidance on Medi-Cal eligibility and offer standalone dental, vision, term life, and travel-medical coverage to round out your protection.
Who CalHealth.net Helps
- Californians shopping Covered California plans who want their full subsidy
- People turning 65 or comparing Medicare Advantage vs. Medigap
- Self-employed individuals and families buying their own coverage
- Small business owners setting up group health insurance
- Existing Covered California members who need help fixing or managing an account
What Makes CalHealth.net Different
Independent, never captive
We're contracted with every major California carrier and have been independent since 1995, so we compare plans objectively instead of pushing one company's product.
25+ years, California only
We've focused on the California market since 1999 — through the launch of the ACA, Covered California, and every rate change since. There's no faking that experience.
A verifiable, spotless record
5.0 stars across 142 Google reviews and zero California Department of Insurance complaints in our entire history — all publicly verifiable by license number.
100% free — same rate as going direct
You pay the identical premium whether you use us or go straight to the carrier or Covered California. We're paid by the carriers, never by you.
A real family agency, not a call center
You talk to one of three licensed Jarvis-family agents in Carmel, California — no scripts, no quotas, no rotating reps.
How Working With CalHealth.net Works
Reach us by phone at 800-320-6269, by email at help@calhealth.net, by live chat, or book a free 30-minute call. You work directly with a licensed agent — usually Dennis, Andrea, or Alexander — who helps you quote, compare, and enroll, and who stays available year-round for changes, renewals, and existing-account help. There is never a fee for our assistance.
CalHealth.net Key Facts
- Company
- Goodacre Insurance Services Corp. (dba CalHealth.net)
- Type
- Independent California health insurance agency
- Founded
- 1999 (independent agents since 1995)
- Founder / Principals
- Andrea Goodacre-Jarvis (co-founder), Dennis Jarvis (principal), Alexander Jarvis
- Headquarters
- 316 Mid Valley Center #283, Carmel, CA 93923
- Service Area
- All of California (statewide)
- Website
- https://www.calhealth.net
- Core Offering
- Free help comparing and enrolling in California health insurance
- Products
- Covered California, Medicare (Advantage, Medigap, Part D), Medi-Cal guidance, individual & family, small business, dental, vision, life, travel medical
- Cost to Client
- Free — same premium as going direct; paid by carriers
- Carriers
- Anthem Blue Cross, Blue Shield of California, Kaiser, Health Net, UnitedHealthcare, Aetna, Humana, and more
- Certifications
- Certified Covered California agents
- License Numbers
- Agency 0F05234 · Dennis 0C65199 · Andrea 0B33064 · Alexander 4395594
- Licensing Authority
- California Department of Insurance
- Rating
- 5.0 ★ — 142 Google reviews
- DOI Complaints
- Zero (in the agency's entire history)
- Alternatives
- Enrolling directly through Covered California, the carrier, or another licensed agent — all at the same premium
- Phone
- 800-320-6269 (toll free)
- help@calhealth.net
- Communication
- Phone, email, live chat, free 30-minute consultations
- Social
- YouTube (@CalHealth-Insurance), Facebook
Ready to talk to a real person?
No pitch. No pressure. Straight answers about California health insurance from
people who have been doing this since 1999.
Call us toll free: 800-320-6269
Email: help@calhealth.net
Or schedule a free 30-minute call at a time that works for you.
Where are you in the Process?
Instant Quote for On and Off Exchange with Tax Credit:
Find the Best Plan With the PlanFinder Tool:
Enroll Online for Covered California and Save Time:
All free to tools to make the process easier!
A little about us...
- We are independent and impartial with 25+ years of California health experience (online since 1999)
- We offer a Best Rate guarantee on all California health plans (detail below)
- You have a 10 Day Free Look Window to cancel any policy for a full refund (detail below)
- We pledge to be helpful, patient, and friendly for all your interactions with us. Try Us!
- With over 20 years and 10's of thousands of policies, we have no complaints with the DOI! Zero.
- Certified Covered California Agents with 1000's of enrolled clients
Goodacre Insurance Services is an authorized agent in good standing for the following companies:
- Anthem Blue Cross of California
- Blue Shield of California
- Health Net of California
- Pacificare of California
- Kaiser
- United Healthcare(R)
- Humana
- Assurant, CalCobra, Delta, VSP, and dozens more!
We are independent health insurance agents that specialize in California health insurance for over 20 years.
This independent designation has never been more important than now with all the changes occurring on the California health market.
Let's discuss why this is so and how we can help you navigate a marketplace that has hasn't changed this much since it's inception.
First, the independent aspect of our agency.
There are two kinds of health insurance agents on the market.
There are captive agents which only market, sell, and discuss one carrier's product.
Needless to say, this is not in your interest as a shopper and the first question to any prospective agent is whether they are independent. We are and have been since 1995.
That's almost two decades of direct focus on the health insurance market in California.
Only with years of experience do you really know all the facets of what to look for and what to avoid. If you speak to one of our associates or email us a question, you'll be able to hear this experience right away and know that you're in good hands.
There's no faking experience.
Secondly, we Are impartial as a result of being independent agents.
This is equally critical to have as your 3rd party liaison to this marketplace.
We do not have a preference for any one carrier and we are contracted with all the major California health carriers.
We are paid a commission by the carriers but they are all very similar and the rate to you is identical.
It's very similar to a travel agent in that your rate for a given plan is exactly identical through us or directly through the carrier.
You can always contact the carrier but you'll find very quickly that we are faster, easier, and more thorough to deal with.
There are advantages to being a very large company (the carriers) but also frustrations inherent in the sheer size of the carrier.
With us, you can take advantage of their size while utilizing our strengths and customized service.
Again, the cost of our service is free to you.
With this, we can guarantee that you will get the absolute best and lowest California health insurance rate available on the market for a given carrier and plan based on your demographics.
As licensed agents, we are required to undergo stringent testing and continuing education not only regarding the California health insurance market but in regards to ethics and proper conduct of business including your privacy.
Health information is one of the most important types requiring strict codes of conduct. We take this very seriously and have never had any issues regarding our client's privacy since our inception.
Finally, and we really feel this is the most important aspect.
We really want to help you find the best and most affordable health insurance for your situation.
When HSA's came on the market, we were one of the first to embrace them realizing they could save our clients 1000's of dollars...and they did. Our basic tenet dating back to when health insurance premiums started to skyrocket was that California catastrophic care or high deductible health insurance was probably the future.
We wish we were wrong but unfortunately, this is the direction that health insurance has trended in California.
If you speak to our associates or email us questions, you'll get a very direct and honest response to help you narrow the options in your interest.
That's the key...in your interest.
Most of the time (if not all of the time) the plans recommended will be lower middle to low in terms of pricing because that's what makes sense to anyone who can qualify for coverage.
As part of the mission, you'll find 100's of articles (more coming every week) to help you learn on your own. Of course, if you have questions, we're here to help you at 800-320-6269.
You can run your California Health 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!