California · Independent & Licensed

Coverage that moves the way California does.

From gig income in Los Angeles to seasonal crews in Napa to a family plan in San Diego — tell us where you stand and we'll match you with a licensed California broker who works your corner of the state.

California-licensed agents
Reply within one business day
No cost — carriers pay the commission
Get matched, free

Start your coverage match

Two minutes. No account, no spam calls before you're ready.

We don't sell your information. It's shared only with the independent licensed broker who follows up with you, at no cost to you.

Notice at collection (California): We collect your name, phone, email, coverage type, and any notes you provide to match you with a licensed broker. See our Privacy Policy for the categories collected, purposes, and your California privacy rights.

You're on the list.

A licensed California broker will reach out within one business day.

11 marketplace carriers compared
19 pricing regions covered
1 business day typical response time
$0 cost to you, ever
Why a broker

Covered California has 11 carriers. Your street has one that fits.

California runs its own marketplace — separate from healthcare.gov — with its own subsidies stacked on top of federal ones. That's good news for your wallet, but it also means plan quality, network access, and pricing shift block by block across the state's 19 rating regions. A broker who works your region daily catches what a generic search can't.

01 — Unbiased

They work for you, not one carrier

California brokers are licensed to sell across the full Covered California lineup, so recommendations are built around your doctors and prescriptions — not a sales quota.

02 — Local

They know your region's network

Whether it's Kaiser's coordinated care in the Bay Area or Sharp's hospital network in San Diego, a California broker knows what's actually available where you live.

03 — Free to you

Carriers pay the commission

Broker pay is built into the plan's price whether you use one or not — so a broker never costs more than enrolling direct through Covered California.

Coverage types

Built for how Californians actually work

Our network includes brokers who specialize in the coverage situations that show up most across the state — from marketplace plans to the industries that make California what it is.

Covered California

Individual & family

State and federal subsidies compared side by side across California's own marketplace exchange.

Low-cost

Medi-Cal & income-based plans

Help determining Medi-Cal eligibility and moving smoothly between Medi-Cal and marketplace coverage as income changes.

Hollywood & gig work

Entertainment & gig income

Coverage strategy for freelancers, crew, and creatives with irregular income or gaps between union-plan eligibility.

Wine country

Seasonal & ag business

Group and seasonal coverage options for vineyards, wineries, and hospitality employers with fluctuating headcount.

How matching works

Three steps, one phone call

01

Share your situation

Your name, phone, email, and what kind of coverage you're after — that's all we need to start.

02

We match you locally

You're paired with a licensed California broker who specializes in your exact coverage type and region.

03

They call, you decide

Your broker walks through real options and pricing. Enroll, ask questions, or walk away — no pressure either way.

Our network compares plans across
Kaiser Permanente Blue Shield of California Anthem Blue Cross Health Net L.A. Care Sharp Health Plan
Where we work

One state, three very different markets

California's coverage landscape looks different on the coast, in wine country, and around the studios — our brokers specialize by region, not just by plan type.

Bay Area · San Diego · Central Coast

Coastal counties

Dense carrier competition and strong HMO networks — the widest choice in the state, county by county.

Napa · Sonoma · Central Valley

Wine country & ag regions

Seasonal workforce swings mean coverage needs change harvest to harvest — our brokers plan around that.

Los Angeles · Studio City · Burbank

Entertainment corridor

Freelance and project-based income is the norm here — coverage that flexes between gigs and union eligibility.

Going direct

Prefer to go straight to the source?

A broker doesn't replace the state's own programs — both Covered California and Medi-Cal are official, government-run resources you can also reach directly, with or without a broker's help.

Marketplace coverage

Covered California

California's official health insurance marketplace — the only place to get state and federal subsidies for private marketplace plans. The same application also checks whether you qualify for Medi-Cal.

Visit official site →
Low-cost & no-cost coverage

Medi-Cal

California's Medicaid program, run by the Department of Health Care Services (DHCS). Eligibility is based mainly on income, and enrollment is open year-round rather than limited to an annual window.

Visit official site →

Covered California and Medi-Cal are government programs administered by the State of California. CA Health Agents is an independent referral service, not a government agency, and is not affiliated with either program. Phone numbers and links above go directly to the official state resources.

Questions

Before you reach out

No — California runs its own state exchange, Covered California, instead of using the federal healthcare.gov site. It offers the same ACA-required benefits plus additional state-funded subsidies layered on top of federal ones.

Correct — broker commissions are paid by carriers and already built into the plan's published price. You pay the exact same premium whether you enroll through a broker or go direct.

Income that varies month to month makes subsidy estimating harder, and some union health plans require a minimum number of worked hours to qualify. A broker can help you bridge coverage gaps between projects.

Seasonal headcount changes make standard group plans tricky. Brokers in our network work with employers to structure coverage that scales with harvest season and peak-tourism staffing.

No. We match you to a single licensed California broker based on your coverage type and region, and only that person will reach out.

Your broker match is two minutes away.

Skip the guesswork. Get paired with someone who already knows your corner of California.

Start my match