We offer Individual & Family Health Insurance – Guaranteed Enrollment for Covered California (Exchange) and direct (over 50% go direct) with the carriers through our website, (over 50% go direct). Included is our expertise at no extra charge – with a tool to figure premiums and tax – subsidy credits.

We are in the constant process of updating our website to let you know the latest in Health Reform Rules in effect and those that are pending. If you see anything new, please email us the link or citation and let us know.

Generally, ALL benefits that you receive from Health Insurance are NOT taxable. Email us if you have a specific question.

You might also want to check out our disability page to recover your lost wages. G-d forbid, that you don’t recover you might want to check out our Life Insurance page to protect your loved ones.

All plans are guaranteed renewable ^{(Insurance Code §10273.6)} and they have contractual guarantees* not to single you out for a rate increase or cancellation if you have too many claims like cancer, aids or heart trouble or other sickness or illness.

Wikipedia on Individually purchased Health Insurance

IRS Publication #5187 New for 2014 – Health Care Law

 

Individual Carriers we represent

• Blue Cross – Anthem
• Blue Shield
• CIGNA
• Health Net
• Kaiser
• Sharp
• Covered CA

Child Pages

• Forms