Health & life insurance in California, with an independent broker in your corner

What we help California clients with

Individual and family health insurance, life insurance (term and permanent), dental and vision coverage, and group health coverage for small businesses. Because we are independent, the comparison runs across insurers instead of stopping at one company's menu. Start with the overview on our services page, or read how the choice works in our article on choosing a health insurance broker.

How buying coverage works in California

California runs its own health insurance marketplace, Covered California, instead of using HealthCare.gov. Public marketplace plans there are based on income and are designed for people with major pre-existing conditions or substantial government assistance. Private coverage is based on health and is underwritten. Which side fits you is the first real question, and it is the one we walk through in a free consultation.

Insurance in California is overseen by the California Department of Insurance. We are licensed there, and we check your doctors against any plan before you enroll, so a cheaper premium never turns into a surprise at the doctor's office.

Start with a free consultation

Tell us a little about what you need and we will come back with real options for California. No cost, no obligation, and no call center.