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Health Insurance

Your health is your wealth.
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We made access to the best health insurance plans easy with a simple and fast online enrollment process.
Get access to state funded premium assistance programs that will help cover the monthly costs of your health plan.
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Who needs health insurance?
  • Self-employed
  • Your employer doesn't offer health insurance
  • Families
  • Individuals that want a plan separate from employer
  • Anyone turning 26
  • EVERYONE!
What health insurance helps pay for:
Doctor Visits
  • Getting quality care from a doctor you trust will be easy and affordable.
  • You can get a list of in-network providers through your online portal once enrolled.
  • Preventive care visits like annual check ups and certain vaccines are free.
  • See a specialist for concerning conditions when you have a primary care physician.
What would it cost to see a doctor without insurance?
Depending on what you're seeking care for and tests required, it costs on average $300-$600 per doctor's visit.
Mental Health & Substance Abuse Coverage
The world is crazy and sometimes (or all the time) we need extra support!
If you need to see a therapist or psychiatrist it's easier and more affordable than ever.
Health insurance plans now come with great coverage for these additional services.
What does it cost to see a licensed therapist, psychiatrist, and substance abuse treatment cost without insurance?
Each session to see a licensed therapist or psychiatrist can be $300. Outpatient drug addiction treatment averages $135 per day and rehab programs can cost $1,000 per day.
Prescription Drugs
If you regularly take prescriptions for a medical condition or only need them when something comes up you will save money with Brand, Specialty or Generic drug coverage.
How much do prescriptions cost without insurance?
Americans on average spend $1,228 per year on prescription drugs and depending on the type of drug you're needing it can cost anywhere between $20-$200 for each prescription needed.
Labs & Imaging
Diagnosing a possible medical condition is stressful enough and you'll have coverage for the medical bills with a quality health plan. Get coverage for X-Rays, Imaging, and Blood Work.
What is the cost of X-rays, Imaging and Blood Work without insurance?
X-rays generally cost $260-$460 depending on the body part. Imaging, such as an MRI, can cost almost $5,000 each appointment. Blood Work for a simple panel can cost $700 and multiple test panels can be as high is $2500!
Hospital & Emergency Services
Accidents and emergencies can't be predicted and some times can't be avoided but you'll be covered! Urgent care visits, going to the emergency room, hospital stays, ambulance rides, and physical rehab are all covered.
How much do hospital stays or emergency room visits cost without insurance?
Hospital stay costs can vary depending on what you're there for but the average cost per day is $9,300. Emergency room visits can cost up to $2,600 for one visit.
Pregnancy & Birth
Get the support you need from your health insurance when you're ready to start a family. Get coverage for labor, delivery, and hospital stays.
What does it cost to have a baby without insurance?
Doctor visits during pregnancy can cost up to $500 each visit. Labor, delivery, and the hospital stay after giving birth can cost $50,000.
Health insurance plans are broken down into 4 metal tiers: Bronze, Silver, Gold, & Platinum.
  • Bronze plans have the lowest premiums and highest out-of-pocket costs.
  • Bronze plans pay 60% of your health costs, you pay 40%.
  • Bronze plans are perfect for anyone that only needs it when necessary for annual check ups, screenings, and urgent care visits when needed.
  • Silver plans have lower premiums and higher out-of-pocket costs.
  • Silver plans pay 70% of your health costs, you pay 30%.
  • Silver plans work better for anyone that regularly sees their primary doctor for preventive care like semi-annual check ups, screenings and needing prescriptions as needed.
  • Gold plans have moderate premiums with moderate out-of-pocket costs.
  • Gold plans pay 80% of your health costs, you pay 20%.
  • Gold plans are great for people with medical needs that have lower maintenance medical conditions like pre-diabetes, mental illness, and for using a few prescriptions a month.
  • Platinum plans have the highest premiums and lowest out-of-pocket costs.
  • Platinum plans pay 90% of your health costs, you pay 10%.
  • Platinum plans are best for anyone that has more high maintenance medical needs for pre-existing conditions like diabetes, and for using several prescriptions a month.
What type of provider network can you choose from?
Health Maintenance Organization Plan *HMO*
  • Seek treatment from doctors that are contracted within their provider list

  • Primary care doctor would give a referral for you to see a specialist

  • Lower out-of-pocket and premium costs but are more selective with their choices of providers to offer you.
Preferred Provider Organization Plan *PPO*
  • Access to a wider range of providers contracted in-network

  • Use doctors, hospitals, and specialists outside of the network without a referral

  • Higher out-of-pocket and premium costs but are much more flexible with their providers
Receive coverage for pre-existing conditions for no extra cost!
The Affordable Care Act put an end to pre-existing conditions being considered as a factor for determining health insurance premium rates. All pre-existing conditions are required to be covered without charging a higher premium.
Compare prices and coverage from the best health insurance companies like Anthem Blue Cross Blue Shield, Aetna, Molina, UnitedHealthcare, Healhnet, Kaiser, and more! Compare plan benefits in one place 100% online. - Health insurance for self employed - Health insurance for individuals - Health insurance for families - Health insurance for businesses
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Health Insurance Marketplace we have available:
Health Insurance CaliforniaHealth Insurance ArizonaHealth Insurance MississippiHealth Insurance Texas We have put together a system for you to see how much financial help you can qualify for with state-funded premium assistance programs that help lower the monthly costs of health insurance plans. Enter your income and zipcode to see how much you qualify for.
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Looking to enroll in Medicare? We can help with that too!
Learn About Medicare
Health Insurance Carriers Available:

BCBS/BlueCross Blue Shield

KaiserPermanente

United HealthCare

Health Net

Aetna

Molina HealthCare

IEHP - Inland Empire Health Plan

Oscar Insurance

Common insurance terms to understand how your benefits work:
Premium
Your premium is the amount of money you pay to an insurance carrier each month to keep your coverage active.
Deductible
The deductible is the amount of money you need to pay before your insurance starts to cover healthcare costs.
Copay
A copay is a set fee you pay to your healthcare provider in order to receive healthcare services.
Coinsurance
Your coinsurance is a certain percentage of what your insurance will pay for services after your deductible is met.
Max Out-Of-Pocket Costs
Your out-of-pocket costs is the maximum amount of money you'll pay for healthcare services for the year.
Need help with your application?
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OFFICE HOURS: Monday-Sunday: 8:00 AM - 8:00 PM
Get free confidential help from a licensed agent to guide you through the enrollment process.
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