Health Insurance

Individual and family health insurance

Individual health insurance is the name given to insurance plans designed for a single individual, couple or family. Unlike group coverage plans, the cost of a California individual health insurance plan is not spread out among a pool of employees. As a result, premiums for individual plans tend to be higher than for group plans. But that is not always the case and that does not mean that getting quality individual health coverage has to cost an arm and a leg.

Search the individual coverage options available on our site. Better yet, get a more personalized approach and find the right policy for you by contacting one of our insurance brokers directly.

Group health insurance

Group health insurance is exactly as the name implies – California health insurance for a group of people. This group is usually a group of employees at a business but it can also be a labor union or a group of business professionals working under a single entity. Since group health insurance is purchases by employers, premium costs for individuals within the group can be kept low – which is great for everyone in the group!

If you’re an employer searching for group health insurance, start by searching available plans right here. This will give you a quick idea of some of your options. For a more comprehensive approach, pick up the phone and call us to speak with one of our group health insurance brokers. By partnering with our brokers, you’ll discover a wealth of group coverage options to choose from – all without having to search.

Other types of health insurance

  • High deductible plans – a great way to keep premium costs down is with a higher plan deductible
  • Short term health coverage – if you only need a plan temporarily before another health plan kicks in, short term health coverage is the way to go
  • Plans with HRAs or HSAs – these are essentially savings accounts you can use to help plan your health care expenses