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Individual Health Insurance

Individual health insurance is for individuals and families that do not get coverage through an employer.  As an individual consumer, you have the freedom to apply for a policy through Covered California (“on” the exchange) or outside of Covered California (“off” the exchange.)  When deciding if on or off the exchange is best for your situation, we highly recommend consulting one of our experienced agents as many factors are considered (i.e., state of health, if you qualify for a subsidy; how large/small your subsidy is; which networks your doctors are in, etc.)  We likely will provide insight that you may not have considered before.  For more information on Covered California, click here

If you know for a fact you are purchasing outside of Covered California (or “off” the exchange), Brightstar Insurance Services is partnered with all major insurance carriers offered within California.  One of our rigorously trained agents can provide you with a complimentary consultation to see which type of plan (i.e. HMO, PPO, HSA, etc.) is right for you.  Feel free to review rates and compare plans through our instant quote.  You can continue to apply right then and there if you find a plan you like, or you can call or email us for some free advice.  

At Brightstar Insurance Services, all of our agents are certified with Covered California and can provide assistance with plan evaluation, selection and application for bothon and off the exchange.

Some of the carriers we work with:


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We offer complimentary quotes on health insurance from multiple
insurance carriers so you can compare rates. 
Want to see how much you can save? Request a quote or call us to find out.

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