Family & Individual Health Insurance in Los Angeles.
Covered California, off-exchange, PPO or HMO — Rick compares every option, checks your doctors, and calculates real subsidies so you pick the plan that actually saves you money.
Every option, one advisor.
As an independent broker in Los Angeles, Rick shops 20+ carriers so you see the full field — not a single company's shelf. That means honest recommendations built around your budget, providers, and family.
- Covered California marketplace plans
- Off-exchange individual plans
- Family health insurance coverage
- Self-employed & freelancer plans
- PPO, HMO, EPO, and HSA-compatible plans
- Premium subsidy eligibility check
- Special Enrollment Period (SEP) filings
- Provider network verification
If any of this sounds familiar, you're in the right place.
Renewal notices in LA are brutal this year. Rick re-shops your household across every carrier — often finding a comparable plan for far less.
You have 60 days from losing employer coverage to enroll in a new plan without penalty. Rick handles the paperwork same-day.
Not every plan includes them at in-network rates. Getting this wrong can mean thousands in surprise bills.
Between subsidies, tax reconciliation, and plan tiers, most freelancers overpay. We fix that in one conversation.
Get a straight answer today.
A 15-minute call is often all it takes to know if you're overpaying or underinsured.
The difference an independent LA broker makes.
Rick quotes Covered California and off-exchange in parallel — you see the full picture, not half.
Every current provider checked against every candidate plan before you enroll.
We model your actual tax income to project subsidies accurately — no surprises at tax time.
For claims questions, life changes, or annual re-shopping — Rick knows your file.
Simple, personal, and free.
Ages, doctors, medications, income, and how you actually use care.
Covered California + off-exchange, side by side, with real total-cost projections.
Rick files enrollment, tracks effective dates, and handles life-event updates all year.
Frequently asked questions
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Stop overpaying for family health insurance.
One 15-minute call to check your subsidy, verify your doctors, and compare every option in LA.