Everyday care
Checkups, preventive care, and prescriptions under the plan that fits your providers.
Health Insurance
Individual and family plans, with a broker who checks your subsidy eligibility, maps your actual doctors against each network, and answers the phone when a bill looks wrong. Using us costs you nothing extra.
Coverage that matches how you actually get care
The right plan depends on your doctors, your prescriptions, and your budget, not on which ad you saw last. That matching is the work we do.
The bad year
Hospital and emergency coverage with an out-of-pocket maximum that caps the damage.
A human to call
Enrollment, subsidy paperwork, and claim problems, handled with you, not by a hold queue.
Who we help most often
- Self-employed Californians leaving group coverage
- Families checking their Covered California subsidy
- Early retirees bridging to Medicare
- Anyone whose doctors matter more than the plan's logo
What this covers, and what it does not
Typically covered
- Doctor visits and preventive careCheckups, screenings, and immunizations, with preventive care covered before the deductible on ACA plans.
- Hospital and emergency careThe bills that make insurance non-negotiable: surgery, hospital stays, and the ER.
- PrescriptionsMedications under the plan's formulary, with costs that vary by tier.
- Mental health careACA plans cover mental health and substance-use treatment as essential benefits.
Not covered here
- Out-of-network surprisesCare outside the plan's network can cost far more, or not be covered at all on HMO plans.
- Most dental and vision for adultsThese are usually separate policies or riders.
- Non-formulary drugs without approvalMedications off the plan's list may need exceptions or prior authorization.
- Elective and cosmetic proceduresCare that is not medically necessary falls outside the plan.
Frequently asked questions
When can I enroll?
During Covered California's annual open enrollment, or within 60 days of a qualifying life event like losing job coverage, moving, marriage, or a birth. Miss both and you generally wait for the next open enrollment, so timing matters.
Can I get help paying the premium?
Many Californians qualify for subsidies through Covered California based on household income, and the amounts surprise people. We check your eligibility as part of quoting, at no cost to you.
HMO or PPO?
HMOs cost less and keep care inside a network with referrals. PPOs cost more and let you see specialists and out-of-network providers more freely. The right answer depends on your doctors, prescriptions, and travel. We map your actual providers against each network before you pick.
What do deductible, copay, and out-of-pocket max actually mean?
The deductible is what you pay before the plan shares costs, copays are fixed per-visit amounts, and the out-of-pocket maximum is the ceiling on your annual spending, after which the plan pays covered care in full. The maximum is the number that protects you in a bad year.
Does using a broker cost me more?
No. Plan prices are set by regulation and are identical with or without a broker. The difference is having someone to call when a claim, bill, or enrollment problem appears.
Coverages that pair with this
Check your options and your subsidy
A few household details tell us your subsidy eligibility and which networks include your doctors. We take it from there.