The top-rated health insurance agent in Merced, California is Cost-U-Less Insurance, rated 4.9 stars across 770 reviews. Other highly rated options include Quote Valley Insurance - Covered California, Freeway Insurance, Fluetsch & Busby Insurance. This directory lists 18 health insurance agents serving Merced.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cost-U-Less Insurance | 3070 M St #1 | (209) 418-7383 |
| 2 | Quote Valley Insurance - Covered California | 840 W Olive Ave STE E | (209) 723-2000 |
| 3 | Freeway Insurance | 251 W 11th St | (209) 781-4122 |
| 4 | Fluetsch & Busby Insurance | 725 W 18th St #1 | (209) 722-1541 |
| 5 | Farmers Insurance - Annissa Fragoso | 527 W Main St | (209) 626-5551 |
| 6 | Edge Insurance Services | 2830 G St Ste B | (209) 385-3343 |
| 7 | Covered California Certified Agent - Alex Hernandez | 840 W Olive Ave STE E | (209) 723-2000 |
| 8 | Merced Atlas Insurance Services | 1624 K St | (209) 626-5450 |
| 9 | Central California Alliance for Health | 530 W 16th St Suite B | (209) 381-5300 |
| 10 | Merced Insurance | 833 W 18th St | (209) 722-3318 |
Cost-U-Less Insurance, based in Merced, California, is a local agency known for helping individuals and families navigate health insurance options. It offers a range of plans from major carriers to meet various coverage needs and budgets. The agency assists clients with open enrollment, plan comparisons, and subsidy applications to make healthcare more accessible. For those with specific medical needs, it can also arrange supplemental dental and vision coverage as an add-on service.
Quote Valley Insurance - Covered California serves Merced County, offering health insurance agent services to local residents and families. The agency assists clients in navigating individual and family health plans through the Covered California marketplace. It also helps with understanding enrollment periods, subsidy eligibility, and plan options that meet varying healthcare needs. As a licensed health insurance agent in the area, Quote Valley Insurance provides guidance on comparing coverage levels and costs. Its services include enrolling new members in health plans and helping existing clients renew their coverage each year.
Freeway Insurance serves the Merced, California metro area, offering professional assistance with health insurance policies and coverage options. The agency helps individuals and families navigate plan selections, including major medical plans and supplemental health benefits. Brokers evaluate local insurers to match clients with suitable coverage tiers. The office is located in Merced, conveniently accessible for in-person consultations. Specific services handled include enrollment in Affordable Care Act marketplace plans and Medicare supplement policy applications.
Fluetsch & Busby Insurance provides health insurance agent services to individuals and families in Merced, California. The company assists clients in selecting and enrolling in health plans that meet their medical coverage needs and budgets. Ongoing support is offered for policy questions, claims assistance, and annual open enrollment guidance. Service plans include personalized consultations to review changing healthcare options and update coverage accordingly. In addition to health policies, the firm helps with supplemental plans such as dental and vision coverage. It serves single-family homes, apartments, and local retail and restaurant businesses.
Farmers Insurance - Annissa Fragoso serves homeowners, renters, and small business owners in Merced, California, providing health insurance agent services. The agency helps clients navigate individual health plans, group coverage options, and supplemental policies tailored to their needs. Assistance is given with plan comparisons and enrollment questions. The area covered includes Merced and extends to the neighboring community of Atwater.
Edge Insurance Services serves Merced, California, and the surrounding communities of the Central Valley. As a health insurance agent, it handles individual, family, and group health plans, including major medical coverage and supplemental policies. The company guides clients through open enrollment and assists with understanding plan benefits and network options. To manage a typical job, it meets with clients in person to review their healthcare needs and compare available plans to find a suitable fit.
For those seeking permanent coverage, Alex Hernandez offers ongoing enrollment support, while clients needing short-term insurance can access one-time plan selection. This agency primarily guides individuals and families through various health plan comparisons, including options available under local marketplace regulations. Service appointments are structured on an as-needed basis, allowing clients to request assistance specifically when enrollment periods open or personal circumstances change, rather than adhering to a fixed recurring schedule.
Merced Atlas Insurance Services specializes in guiding individuals and families through health plan selection, partnering with major carriers to match clients with suitable coverage. It also provides general assistance with policy updates, claims questions, and enrollment procedures for local residents in Merced. The agency addresses specific needs like navigating open enrollment deadlines or securing temporary plans during employment gaps or life transitions.
Central California Alliance for Health provides a range of health insurance agent services, including plan selection assistance and enrollment guidance for individual and group coverage. It offers ongoing support to help clients understand policy details and manage renewals. The agency serves the Merced, California area by connecting residents and local businesses with suitable health plans. Its client base includes single-family homes, apartments, retail, and restaurants.
What Does a a Health Insurance Agent in Merced Cost?
Health insurance agents in California typically do not charge a fee to consumers. Their compensation comes from commissions paid by insurance carriers which are built into the plan premiums. For individual plans monthly premiums in Merced can range from around 300 to 800 dollars for a single adult depending on age income and plan tier. Costs vary widely based on subsidies from Covered California and the specific plan selected. This is general information and not insurance advice.
About health insurance agents in Merced
Health insurance agents in Merced California help individuals families and small businesses find coverage through Covered California or private insurers. Under California law agents must be licensed by the Department of Insurance and can guide you through open enrollment or special enrollment periods. Local agents understand the health care needs of the Central Valley and can explain plan options including subsidies available through the state exchange.
Frequently Asked Questions
What does a health insurance agent in Merced do?
A health insurance agent helps you compare plans from multiple carriers and enroll in coverage that fits your budget and medical needs. They can assist with Covered California applications and explain how subsidies or tax credits work. Agents do not charge you directly their commission is paid by the insurance company.
When can I enroll in health insurance in Merced California?
Open enrollment for Covered California typically runs from November 1 to January 31 each year. You may qualify for a special enrollment period if you have a qualifying life event such as losing other coverage moving to Merced or getting married. California also offers year round Medi-Cal enrollment for those who qualify based on income.
Do I need a license to sell health insurance in California?
Yes all health insurance agents in California must hold a valid license from the California Department of Insurance. You can verify an agents license number on the CDI website. Agents must also complete continuing education to stay current on state laws and plan changes.
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