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Your Life, Health, and Medicare needs All under 1 Cap…Rest Assured that you’re secured!

About Us

We are committed to putting our clients’ needs first. Our work is straightforward: we assist our clients in locating the insurance plan that best fits their budget and health requirements.

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GET THE PERFECT HEALTH INSURANCE
FOR YOU!

In less than a few minutes, you can have a quote for HEALTH INSURANCE
that is tailored to your needs!

    Here is how it works

    • We start by asking you a few simple questions
    • We then analyze your answers and determine the best options for you
    • You can compare, share, and save all your plans until you're ready to buy

    How do I Buy Health Insurance?

    First, you must discover a health insurance plan that is within your budget. Then you must call the firm or an insurance agent to obtain a quote. When you have all of this knowledge, you may weigh your alternatives. It is a highly personal and intricate procedure, but there are methods to make it less complicated.

    With the Affordable Care Act (often known as “Obamacare”) in effect, it is much simpler to obtain a health insurance plan that meets your income and particular health needs. In most states, you may even be eligible for financial assistance. You may apply for coverage quickly and simply through the new Healthcare Marketplace.

    Before you settle on a plan, you should first get a quote, find a price, and discover any out-of-pocket expenses your plan will expect you to pay (such as deductibles, co-insurance, and copay charges). Once you have all of this information together, it will be easier to find coverage which fits your needs.

    Average cost by age and metal tier

    AVERAGE COST OF HEALTH INSURANCE IN CALIFORNIA

    Metal TierAge 21Age 40Age 60
    Bronze$368$470$598
    Gold$495$632$984
    Platinum$648$828$1,391
    Silver$424$541$784

    How to find your best health insurance
    coverage in California

    Your ideal health insurance plan will be one that

    meets your demands while remaining within your budget.

    1. Make a list of things you most need in a plan. Start with a list of your medicines and preferred health care providers, for example.
    2. Examine the various levels to determine the amount of coverage that best matches your medical needs.
    3. Create or log in to Covered California, California’s state health insurance exchange.
    4. You may start by checking to see if you qualify for Medi-Cal on Covered California “Get Started” website.
    5. If Medi-Cal is not an option for you, start looking for a plan on Covered California. Enter your income and family size to see whether you qualify for financial assistance.

    When you apply for a plan on Covered California, the system will determine your Medi-Cal eligibility based on your income and family size and notify you whether you qualify.

    Comparing health insurance tiers

    Carefully review plan costs and deductibles to see what’s best for you. Typically, if you expect moderate to high medical costs, choosing a higher metal tier plan with more expensive premiums but better cost-sharing benefits makes the most financial sense.

    All plans provide the 10 essential health benefits required by the Affordable Care Act (ACA).

    Bronze: Suitable for young, healthy people.

    Bronze plans offer the largest deductibles but the lowest rates. This implies you’ll keep your monthly payments low while paying more for medical treatment. A Bronze insurance, like other ACA plans, provides preventative care and other critical health needs. Furthermore, because plans have a high spending cap, known as the out-of-pocket maximum, you will pay more out of pocket if you have a medical emergency or require an expensive medical procedure.

    Silver: This option is best for persons with modest incomes and medium medical requirements.

    Silver plans strike a fair compromise between monthly premiums and out-of-pocket expenses. Silver plans, in addition to the premium subsidies given on metal-tier plans, offer cost-sharing reductions to individuals who qualify.

    Gold: The best option for individuals who require extensive medical care.

    Gold plans are more expensive than Silver or Bronze policies, but the cost of medical treatment is lower. These plans are ideal if you require continuous medical care or consume expensive prescription medications.

    Platinum: The best option for people with the highest medical need.

    Platinum plans are the most expensive in California but typically have the lowest deductibles and out-of-pocket costs. If you expect to have high medical costs for the year, you’ll meet the deductible more quickly and your benefits will begin sooner with a Platinum plan.

    Health insurance rate changes in California

    Based on a 40-year-old purchasing a Silver plan, the average cost of health insurance in California will rise by 1% in 2023.

    However, there were larger cost increases in several of the major counties, including Alameda, Los Angeles, Orange, Riverside, and San Bernardino, with average hikes of nearly 8%. Other significant counties had rate drops, including a 3% fall in San Francisco, a 7% decrease in Sonoma, and a 12% decrease in Merced.

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    Business Hours

    Monday 08:00 AM to 4:00 PM
    Tuesday 08:00 AM to 4:00 PM
    Wednesday 08:00 AM to 4:00 PM
    Thursday 08:00 AM to 4:00 PM
    Friday 08:00 AM to 4:00 PM
    Saturday Appointment Only
    Sunday Closed

    Submitting information or calling numbers listed on this website will direct you to a licensed agent / broker.

    “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.”

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