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Buy the Best Private Health Insurance in California at Discounted Prices

Don’t leave your family’s future to chance. Get the private health insurance coverage you need right now.
  • 30%-50% cheaper than Covered Marketplace plans with the same level of protection and coverage
  • We compare 25 carriers to get you the best quote in the state, not just 1
  • Providing health insurance solutions for 25 years

Call our local hotline immediately to speak with a licensed specialist.
Receive a custom quote in just 5 minutes over the phone.
Live agents are standing by and available now!

Get Your Free Quote Now

  • Call our local hotline immediately to speak with a licensed specialist.
  • Receive a custom quote in just 5 minutes over the phone.
  • Live agents are standing by and available now!

Receive a quote in 5 Minutes over the phone.

How Much Is Private Health Insurance in California?

  • It is often 30%-50% cheaper than standard Covered plans while offering a comparable level of protection and coverage.
  • Imagine paying only for exactly what you need. Private health insurance offers major flexibility for you and your family.
  • The fastest way to figure out your local costs is to call our hotline and get a quote in 5 minutes or less over the phone.

How Enrollment Works Online

We know insurance jargon can be confusing, especially with state-specific regulations. That is why we have stripped away the complexity. When you work with Health Insurance Now, you get a partner who handles the heavy lifting.

1

The Consultation

You call our hotline or request a quote. You speak to a live human expert, not a robot.

2

The Match

We input your needs into our proprietary software, scanning 25+ top-rated carriers available to residents.

3

The Selection

We present you with the best options. You compare them side by side with our localized guidance.

4

The Enrollment

We handle the paperwork. You can often be approved and covered in 24 to 48 hours.
We are faster, friendlier, and more focused on your needs than any automated algorithm could ever be.

The Advantages of These Plans for Californians

When you switch to the private market with Health Insurance Now, you are not just saving money. You are upgrading your access to care across the state. Here are the distinct advantages.

Massive Cost Savings

You can expect to save around 30%-50% on a plan compared to a Covered Marketplace plan with a similar deductible. Because private plans can base rates on a wider set of criteria, healthy individuals and families are not forced to subsidize high-risk pools. This keeps more of your hard-earned money in your pocket every month.

Flexibility and Speed

Government plans restrict you to a strict Open Enrollment window. If you miss it, you are out of luck for the year unless you have a Qualifying Life Event.

With us, you can enroll anytime. Private health insurance is available year-round. You do not have to wait for a specific time of year to protect your family from the unexpected.

Superior Doctor Access (PPO Networks)

Have you ever been told your doctor “doesn’t take your insurance”? It is a terrible feeling. State marketplace plans often rely on narrow HMO networks that restrict you to a small list of providers in your immediate zip code.

In contrast, 90% of all doctors readily accept private health insurance plans. With a private PPO network, you generally have statewide and nationwide coverage. You can see the specialists you want, whether in Los Angeles or San Francisco, without needing a referral to get in the door.

Coverage for Pre-Existing Conditions

Many people fear leaving the state exchange because of their health history. However, the private market has evolved. Today, there are many plans where pre-existing conditions are not a barrier to entry.

In fact, many clients are surprised to find that pre-existing conditions do not matter for eligibility on many of our specific plan types. While these plans can enroll you and cover anything that occurs after you enroll in the plan, like any other health insurance, they will not cover the specific pre-existing conditions you already had. We can find the right policy where you will not be turned away.

Why Choose Health Insurance Now?

You might be asking, “Why shouldn’t I just go directly to an insurance carrier?”

The answer is simple:

1

Comparison shopping.

If you call an insurance carrier directly, their agents are paid to sell you their specific product, whether it is the best fit for your lifestyle or not. They have a limited menu. At Health Insurance Now, we are not bound to just one carrier. We do not force specific companies on you. We work for you, not the insurance conglomerates.

2

We hold your hand even after you sign up.

From the moment you call our hotline to the moment your policy is issued, and even after your enrollment, we are here to help. We are your advocates in a complicated healthcare system.

Our clients choose us for three undeniable reasons:

We Are Cheaper

By comparing the top 25 most affordable carriers, we often find localized rates that single-carrier agents simply cannot match.

We Offer More Coverage

We ensure you get more of what you need and less of what you do not. Pay only for what you require.

We Are Faster

We value your time. Our process is streamlined to get you covered without the typical bureaucratic headache.
Our health insurance brokers have been helping individuals and families for over 25 successful years, navigating the complex world of healthcare. Our role is that of a trusted broker and advisor. We use proprietary matching software to search over 25 different carriers available to custom-build policies based on your health and budget.

Who Benefits from Private PPO Coverage?

One of the most common misconceptions is that private insurance is exclusive or difficult to qualify for. The truth is, private health insurance is an incredible solution for a vast array of residents.

The Self-Employed and Freelancers

From Silicon Valley contractors to Hollywood creatives, if you make too much money to qualify for government subsidies, Covered plans can be astronomically expensive. Private insurance often offers a much more rational price point for the self-employed.

Early Retirees

If you have retired but are not yet 65 and eligible for Medicare, you need a bridge. Private plans are often the perfect Golden State solution.

Small Business Owners

You need to protect yourself and your bottom line. We can structure plans that keep your business and your employees healthy, too.

Families and Students

Whether you have a child going to college out of state or you travel frequently outside the state, the nationwide networks often found in private PPO plans are essential.
Whatever your situation, whether you are losing employer coverage, your current insurance has become unaffordable, or you currently have no insurance at all, we have a tailored solution.

The Reality Check: Why You Can’t Wait

Let’s be honest: nobody plans on getting sick. Nobody schedules a car accident on the 405. These life-altering events strike without warning. Yet millions gamble with their financial future every day by delaying their health coverage.

The cost of inaction is staggering. Medical bills are a leading reason people file for bankruptcy in America. It is a terrifying statistic, but it is the reality. Those who are uninsured or underinsured are often just one bad weekend away from financial devastation.

USD 7,500

Broken Leg

Average cost

USD 30,000

3-Day Hospital Stay

Average cost

$100,000+

Cancer Treatment

Can reach

137 Million

Americans in Medical Debt

Estimated

Consider the numbers: according to government data, the average cost of fixing a broken leg can easily reach USD 7,500. A simple 3-day hospital stay averages around USD 30,000. If you are facing a serious diagnosis like cancer, treatment costs can skyrocket into the hundreds of thousands.

Currently, an estimated 137 million Americans are struggling with medical debt. This debt destroys credit scores, drains savings, and creates immense stress during times when you should be focused on healing.

Can I Buy Private Health Insurance Right Now?
Yes, and you absolutely should. The risk of waiting is simply too high for you or your family to bear.

What Exactly Is It?

If you have been frustrated by government-run options, you are not alone.

Simply put, private health insurance is coverage that is not offered through the government’s state exchange, Covered CA.

When you shop through the marketplace, the government acts as a gatekeeper, selecting who can provide you with insurance and what those plans must look like.

While this works for some, for many others it limits options and drives up premiums.

It forces you into a one-size-fits-all box that might not fit your West Coast lifestyle.

Private health insurance opens the door to a wider world of healthcare. These plans are provided by reputable, top-rated insurance companies operating outside the government’s marketplace restrictions. Because they are competing for your business, they are often able to provide superior plans at significantly more affordable prices.

With private health insurance, customization is key. You are not forced to pay for coverage elements you will never use. Instead, you get a plan tailored to your exact lifestyle, offering you the protection you need without the bloat you do not.

There are nearly 75 million people in this country currently enrolled in private health insurance plans.

They have already discovered the secret to better care and lower costs. It is time for you to join them.

Don’t Risk Another Day Uninsured

The healthcare landscape is changing, and costs are rising. But you do not have to face it alone. If you are looking for the best option, Health Insurance Now has the network and the knowledge to get you covered.

You have a choice. You can risk financial ruin by staying uninsured, you can overpay for a restrictive government plan, or you can take control of your health with a plan designed specifically for you.

Get a quote today. It takes less than 10 minutes to secure your peace of mind.

Call our hotline now. Let our family help protect yours.

Frequently Asked Questions (FAQ)

How can I buy coverage online?
Yes, you can start the process online, but we highly recommend speaking with one of our licensed agents. Because private plans are highly customizable, a brief conversation ensures you are not just buying a policy, but building a safety net that actually fits your needs. You can start online through us with the guidance of a local expert to ensure no gaps in coverage.
Actually, it is often much cheaper than the alternative. Many of our clients see savings of up to 50% compared to unsubsidized marketplace plans. Because you pay for only what you need, you are not covering the costs of benefits you will never use.
Absolutely. While some specific private plans have underwriting, many others have guaranteed issue provisions or specific riders. Pre-existing condition rules vary by plan, but we have access to a wide variety of carriers. We can almost always find a solution that ensures you have access to care.
Most government marketplace plans are HMOs, or Health Maintenance Organizations, which restrict you to a small local network and require referrals for specialists. Most of the plans we recommend are private PPO networks, or Preferred Provider Organizations. PPO networks generally offer nationwide coverage and allow you to see any specialist you want, without a referral.
No. That is one of the biggest advantages of the private market. You can enroll anytime. You do not need to wait for the end of the year or have a Qualifying Life Event like marriage or job loss. You can get covered starting as early as tomorrow.
When you go to a specific company, they can only show you their own plans. When you work with Health Insurance Now, we use proprietary software to compare over 25 different carriers. We work for you, not the insurance company, ensuring you get the best price and the best coverage available in the Golden State.

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