Individual And Family Health Plans
We’ll guide you through the complicated world of insurance plans, so that you find a plan to fit your budget and coverage needs.
Individuals/Medicare
Rates for all individual and senior plans are regulated by the California Department of Insurance, so why use an agent? Getting the right plan and afterwards, getting service on that plan is essential in the current complex world of ACA (the Affordable Care Act). Do you qualify for a subsidized plan on the exchange, Covered California? If not, you should consider an Off-Exchange plan. Reach out to us. We’ll help you know the difference. There are never any fees for our services. We’ll guide you through the complicated world of insurance plans, so that you find a plan to fit your budget and coverage needs.
We have a depth of understanding and experience with individual, senior, and group insurance at Carman and Fairbanks Insurance Services, Inc. With over 20 years of experience, our depth of knowledge, high level of service, and our honesty are the qualities our clients appreciate.
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Individuals and Family Health Plans
You can obtain a quick quote through the link, but when ready to apply, CONTACT US FIRST. We’ll review your quote, then provide you with a link for the application once we’ve reviewed with you the plans that fit your needs.
Note that applying outside the Open Enrollment period requires a Special Election reason, such as Loss of Coverage (employer plans). Covered California’s focus is individuals who qualify for a tax subsidy or Medi-Cal, while the off-exchange plans (including Blue Shield, Kaiser, Sutter and others) use a simplified application process for those individuals who would not qualify for the subsidy (income over 400% of the FPL).
Individual Health Plans
Child Only Health Plans
Covered California Health Plans