-The average person lands in the 
  hospital  every 7 years.
        
      "I can't afford health insurance".  

If you think health insurance is expensive then imagine the costs that it protects you from.
 
If anything, you want to cover the big bill...check out our section California health insurance 101 to understand how a lot of people are paying too much and over-insuring the small bills.
 

Stability, Local Ease
 of Use, and Comprehensive Coverage

that's why the Blues have been California's 
carrier for decades.

There are 5 major health insurance companies in California:  Blue Cross of California, Blue Shield of California, Kaiser, Pacificare, and Health net.  Kaiser is only HMO - all their eggs in one basket, and Pacificare, mainly HMO, has had recent financial troubles.  The HMO model is based on cost control, an increasingly difficult feat in today's medical world.  Also, the Blue Card program is great for when you are in other states!!

We are independent California health brokers which means we can deal with any company.  We choose to concentrate on Blue Cross and Blue Shield because they will be around and they provide the widest array of options including strong PPO plans and HSA's.  70% of Blue Cross is PPO.

Health insurance can be complicated.  That's where we come in.  We do not sell...we educate.  Whether you go with one plan or another or not at all...we will work to answer your questions and arm you with the knowledge you need. 
 

The rates and benefits are IDENTICAL no matter where you buy from...it's the service and knowledge where we surpass others

The three main strengths you want in a broker:

Knowledgeable - 14 years and counting.  Unlike the carriers with their many telemarketers, or other brokers with many different types of insurance and/or companies...we concentrate on California health insurance and a few solid companies.
Accessible - our whole focus is educating our clients and that means answering any question...with a smile.  Try us...you'll see we mean it.  email or at 1-800-320-6269
Impartial - Again, the rates and benefits for a given company are identical regardless of who you buy it through.  We are independent brokers...it is not in our interest for you to go with any one particular company.  It's in our interest for you to go with the best company and best plan...one that you understand.  
 

Our services are free...why wouldn't you take advantage of them!!