Our Story

15 Years Helping People Choose Coverage Confidently

We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.

Our Story

We started California Health because health insurance should never be this hard.

In 2010, our founder watched his sister — a self-employed graphic designer in her early 30s — spend three weeks trying to understand her health insurance options after losing her job. Three weeks. Dozens of confusing websites, conflicting information, and zero guidance from people who actually understood the system.

She eventually gave up and went uninsured for eight months. Four months later, she was in the emergency room with appendicitis. The bill was $34,000.

That's the story that built California Health. We created this agency because navigating health insurance is genuinely difficult — and it shouldn't require a law degree to understand your options.

The California Health advisor team in a bright modern office

What makes us different

We are 100% independent
California Health is not owned by, affiliated with, or financially incentivized by any single carrier. Our agents earn the same commission rate regardless of which plan they recommend.
We are licensed professionals
Every California Health advisor is a licensed insurance agent, compliant with state regulations, and carries Errors & Omissions insurance.
We offer a free service
Consultations, plan comparisons, and enrollment cost you absolutely nothing. Carriers compensate us — you pay the same as buying direct, or less.
We stay with you
Most agents disappear after enrollment. Your California Health agent stays your resource for claims, annual reviews, life changes, and every question that comes up.
Our Mission

To make quality health coverage accessible, understandable, and affordable for every American — individual, family, or business — through honest, expert guidance and a service that costs you nothing.

Our values

Transparency
We tell you exactly what a plan covers and what it doesn't. No surprises at the worst possible moment.
Independence
We recommend what's best for you, full stop. Our advice is never influenced by carrier incentives or sales targets.
Accessibility
Health insurance shouldn't be a luxury. We work to find affordable coverage for every budget.
Longevity
We're not here to make a sale. We're here to build a relationship that lasts as long as you need us.

Licenses & credentials

California Health is licensed to sell health, dental, vision, life, and supplemental insurance in all 50 states. Our agents are appointed with all major carriers including:

Blue Cross Blue ShieldAetnaCignaUnitedHealthcareHumanaOscar HealthMolina HealthcareAmbetterBright HealthKaiser PermanenteDelta DentalVSPMetLife DentalGuardianAmeritasAflacCigna SupplementalTransamerica
Why California Health

Independent in California.
Loyal to you.

We represent you — not any single carrier. Unbiased advice, transparent recommendations, and plans chosen to serve your best interest.

15+Years
50+Carriers
12K+Clients
  1. 01

    100% Independent & Unbiased

    We're not owned by any insurance company. We shop across 50+ carriers to find your best match — no hidden agendas, no preferred plans.

  2. 02

    Our Service is Free to You

    Carriers pay us when you enroll, so our advice and plan comparisons cost you absolutely nothing. You pay the same — or less — than buying direct.

  3. 03

    A Dedicated Agent for Life

    Your personal California Health advisor stays with you year over year — reviewing your plan, handling claims issues, and being there when life changes.

  4. 04

    Fast, Simple Enrollment

    Most clients are enrolled within 48 hours. Our streamlined digital process means no stacks of paperwork and no waiting weeks for coverage to begin.

California Stories

Real Californians.
Real coverage wins.

Stories from the 3,800+ Californians we've enrolled — Oakland rideshare drivers, LA freelancers, Bay Area family businesses.

I'm a Lyft driver in Oakland and never thought I could afford real coverage. My California Health advisor walked me through Covered CA in Spanish, stacked the state subsidy, and got me a Kaiser plan that actually fits my variable income. First time in years I feel protected.

Luis Hernández
Rideshare Driver, Oakland CA

Our family is mixed-status and we were terrified to apply for anything. The team explained that Medi-Cal expansion covers everyone income-eligible in California — no questions about status. They enrolled my parents in Cantonese and my kids in CHIP. Pure relief.

Mei Chen
Restaurant Owner, San Francisco CA

As a freelance photographer in LA, my income jumps around all year. My advisor at California Health set me up on a Blue Shield Silver plan through Covered CA, helped me estimate my 1099 income correctly, and reconciled my subsidies at renewal. Zero stress, zero pressure.

Priya Ramesh
Freelance Photographer, Los Angeles CA