Insurance in California
Protection for Latino families in California
From Los Angeles to the Central Valley, we help California’s Latino families protect their future with insurance explained clearly, in Spanish and English.
Trust you can verify
Since 2013
protecting Latino families
60+
life and health carriers at your service
50
states + Puerto Rico
A+
BBB accredited
5.0★
23 Google reviews
Our solutions for California
We compare multiple carriers to find what fits your budget.
Good to know in California
Your health marketplace (Obamacare)
In California, Marketplace health coverage (Obamacare/ACA) is enrolled through Covered California, your state's own exchange.
California doesn’t use healthcare.gov: it runs its own marketplace, Covered California, and its enrollment window is two weeks longer than the federal one. Covered California
If your income is low, the state program is called Medi-Cal.
When you can enroll
Open enrollment runs November 1 through January 31. Outside that window you need a qualifying event, such as moving, losing coverage or having a child.
If you have no qualifying event or don’t qualify for financial help, there are private health plans you can sign up for in any month of the year.
Note: California charges a state penalty if you don’t have coverage that counts as minimum essential coverage, and limited-benefit plans generally don’t avoid it. How much it is and how to avoid it
We serve all of California
Free consultation in California
Including Los Ángeles, San Diego, San José, Fresno and every city in the state.
- Los Ángeles
- San Diego
- San José
- Fresno
Tell us your case
Fill out the form and we will contact you for your free consultation.
Frequently asked questions
What do I do if I missed January 31 on Covered California?
Outside that window, Covered California only lets you in with a qualifying life event —a move, losing job coverage, marriage, a child—. With none of those, you face ten months unable to enroll. For that hole we offer private health plans, from major medical to limited-benefit everyday plans; availability varies by state and we review it at your appointment. If you qualify for a good subsidy, the marketplace is still better.
Where do I enroll in Obamacare in California?
At Covered California, not healthcare.gov. California runs its own marketplace, so the federal site redirects you. We walk you through it at no cost.
What is the difference between Medi-Cal and Covered California?
Medi-Cal is the state program for low incomes and charges no monthly premium. Covered California is the marketplace with private plans and financial help based on your income. When you apply they tell you which one you qualify for — it is not your choice.
How long do I have to enroll in California?
Open enrollment runs November 1 through January 31, two weeks longer than the federal window. Outside those dates you need a qualifying event: a move, loss of coverage, marriage or a child.
Do you serve California?
Yes. We serve California and all 50 states + Puerto Rico, with agents licensed per state. Message us and we’ll confirm your case.
Does the consultation cost anything?
No. The evaluation is free and carries no obligation. If you purchase a product, compensation is paid by the carrier.
Can I apply with an ITIN in California?
Some carriers evaluate ITIN applications depending on state and product. It’s not automatic, but options exist; we review it in your consultation.
What language will you help me in?
Spanish or English, whichever you prefer. Everything is explained clearly, without jargon.