Individual & Family
Health Insurance
Health insurance in California changed significantly in 2026. Federal premium subsidies that had kept costs down since 2021 expired at the end of 2025, and many Californians are seeing their premiums jump as a result. If you're shopping for coverage — whether you're self-employed, between jobs, aging off a parent's plan, or just looking for a better option — having an independent agent in your corner matters more now than it has in years.
Our Expertise Includes
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Covered California Plans: We walk you through Bronze, Silver, Gold, and Platinum tiers to find the right balance of premium and out-of-pocket costs.
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Subsidies & Tax Credits: Federal and state credits can still lower your costs significantly. We check your eligibility so you're not leaving money on the table.
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COBRA Alternatives: Lost your job? A Covered California plan with subsidies often costs far less than COBRA. We run the comparison.
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Self-Employed Coverage: Your subsidy eligibility is based on income after business expenses — which often qualifies you for more help than you'd expect.
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Special Enrollment: Job change, move, marriage, or new baby? You don't have to wait for open enrollment. We handle the paperwork.