Individual & Family Health Insurance for California


Covered CA 2024

  • You’ve come to the right website to  enroll in Individual & Family Plans with  Guaranteed Enrollment and  no-Pre-existing Conditions, including coverage for COVID – Corona Virus  directly with an Insurance Company or get tax subsidies in  Covered California.
  • You get our expertise at no extra charge – we are paid by the Insurance Companies to help you.   
  • We are in the constant process of updating our website.   Like us on Facebook for notifications. The rules, Supreme Court decisions, Presidential actions can change things almost daily.  For example, there are no more short term plans in CA   SB 910 Hernandez 2018§10123.61. LA times KFF News July 2023
  • Unfortunately, Health Insurance doesn’t cover everything.  You might also want to check out our disability page to recover your lost wages.  Your own disability policy pays in addition to SDI State Disability Insurance.  If G-d forbid, that you don’t recover you might want to check out our Life Insurance page to protect your loved ones and give them the financial security they deserve.
  • All plans under ACA – Obamacare are guaranteed renewable (Insurance Code §10273.6) and they have contractual guarantees* not to single you out for a rate increase or cancellation,  even if you have too many claims like cancer, aids or heart trouble or other sickness or illness.   
  • FAQ’s are on virtually every page of our website.  That would be the best place to ask or view other website visitors questions.


Email us – [email protected]
for more information or just ask a question in comments below 


Resources & Links 


All our plans are Guaranteed Issue with No Pre X Clause
Quote & Subsidy #Calculation
There is No charge for our complementary services

Guaranteed Issue - No Pre X Clause - Quote & Subsidy Calculation - No charge for our complementary services - If not in CA click here for Nationwide Quotes

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Hitler & Mental Health Disabilities T 4 

Translation for the poster below:

"This person suffering from hereditary defect  costs the community $60,000 Reichsmark during his lifetime. Fellow German, that is your money, too. Translation & Image Courtesy of Psychology 

nazi t 4 program


Under  the T 4 program, T4  Certain German physicians were authorised to select patients "deemed incurably sick, after most critical medical examination" and then administer to them a "mercy death" (Gnadentod).[7] The T4 programme stemmed from the Nazi Party policy of "racial hygiene", a belief that the German people needed to be cleansed of racial enemies, which included anyone confined to a mental health facility and people with simple physical disabilities.[31] T4  

The annual cost for a bed in a CDCR-operated, inpatient psychiatric program is around $301,000

Speak up!  Do want you can to make sure this doesn't happen in the USA!  

Covered CA
How to use your plan

White House Address
Time to sign up
Done in 2015 but the principles are the same

Biden Introduction to ACA Health Care Reform

Covered CA Certified Agent

#Covered CA Certified Agent  

No extra charge for complementary assistance 

I'm in Sonia


CHCF California Health Policy Survey 

chcf California health policy survey

  • 1/2 of California's skipped health care in the past year, due to cost
  • 1/4 themselves or knew someone who had problems paying a bill
  • 1/5 had someone close to them experience homelessness
  • 1/2 have used telehealth - phone or video 
  • 6 in 10 think there is racial or ethnic disparity

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