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