Individuals

HEALTH INSURANCE FOR FAMILIES AND INDIVIDUALS

You deserve the best health insurance money can buy. You deserve the Peace of Mind that comes with having the right health insurance, because no one should have to worry about their coverage. And you deserve five-star, white glove service from a health insurance agency that cares about you and your family as human beings.

You’ve come to the right place.

We are a mission-based insurance agency that strives to provide Peace of Mind, because we believe no one should have to worry about their health insurance coverage.

We are Certified Coverage California agents and work with all the major health, dental and vision insurance companies in California. We are experts at guiding you through the process and, if you qualify for a subsidy, making sure you get the most money you can.

If you’re looking for an unsubsidized plan, we’ve got you covered there too. There are a few more options offered by the insurance companies if you buy directly from them rather than Covered California. We’ll explain it all in clear and easy-to-understand language.

You can sign up for individual/family plans at two times during in the calendar year:

  • Open Enrollment runs from November 15 to January 31, for plans that will start on January 1 of the new year.
  • Special Enrollment runs from February 1 to November 30 each year. Plans start on the first of the month following enrollment. To get coverage during Special Enrollment, you need to have a Qualifying Event, such as losing other coverage, moving into the state or having a baby. Here’s a complete list of Qualifying Events.

Getting a Subsidy

In 2022, you are eligible for a subsidy if the cost of insurance is more than 8.5% of your Adjusted Gross Income.*

Unlike the old Obamacare system, which was based on a multiple of the Federal Poverty Line, this new way of calculating subsidies takes into consideration the cost of living in California, including the cost of buying health insurance. As a result, many individuals and families earning six-figure incomes are now eligible and are receiving a subsidy.

If you want to play around with the numbers, here’s Covered CA’s subsidy calculator. But there’s no need for you to do that if you don’t want to, because we are happy to provide all the information about subsidies and plans that you will need to make an informed decision. Just schedule an appointment and provide us with a little more information so we can run a free quote.

*Technically, the subsidy you are eligible for is based on the unsubsidized cost to you of the second-lowest cost Silver Plan offered in your area (the SLCSP). That’s a pretty good plan. But if you want to upgrade to a higher cost Silver, Gold or Platinum, you do that at your own expense. If you downgrade to the lowest-cost Silver plan or a Bronze plan, the subsidy will actually cover even more of your cost – and may even reduce your cost to $0. Really. 

AFFORDABLE DENTAL COVERAGE

Need dental coverage? You can save hundreds of dollars per year on your dental expenses, and you can buy a dental policy any time. Ready to start? Click here.

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