ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Health Insurance Agents Near You in Modesto, CA

Browse health insurance agents serving Modesto, California. Updated 2026-07-14.

The top-rated health insurance agent in Modesto, California is Cost-U-Less Insurance, rated 4.9 stars across 813 reviews. Other highly rated options include SaveDirect Insurance Agency, LLC, Farmers Insurance - Maria (Candy) Melara, Acceptance Insurance. This directory lists 27 health insurance agents serving Modesto.

Showing 27 health insurance agents in Modesto, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Cost-U-Less Insurance123 Burney St(209) 560-6118
2SaveDirect Insurance Agency, LLC1800 Tully Rd G(209) 857-5877
3Farmers Insurance - Maria (Candy) Melara2507 E Hatch Rd Ste B(209) 556-9946
4Acceptance Insurance2045 W Briggsmore Ave Ste A-6(209) 375-7112
5Freeway Insurance1801 H St Ste A1(209) 585-3788
6TSM Insurance Services1317 Oakdale Rd #910(209) 524-6366
7Nick Winters - State Farm Insurance Agent1532 Standiford Ave Ste A(209) 521-9540
8insureCAL Insurance Agency3508 Dale Rd(209) 250-0269
9SANDRA HOLT2605 Coffee Rd # 100(209) 604-1128
10Omega Pacific Insurance Solutions1016 12th St Ste. A(209) 338-5500
CU
123 Burney St
Cost-U-Less Insurance
Health Insurance Agent · Modesto, CA

Cost-U-Less Insurance serves the Modesto, California area as a health insurance agent. The company assists local residents and businesses in finding individual and group health coverage plans. Its agents guide clients through the enrollment process and help compare various policy options available in the region. The company also handles Medicare supplement plans and short-term health insurance for individuals seeking temporary coverage in the Modesto area.

SI
1800 Tully Rd G
SaveDirect Insurance Agency, LLC
Health Insurance Agent · Modesto, CA

SaveDirect Insurance Agency, LLC provides a full range of health insurance agent services, including plan comparisons, enrollment assistance, and annual policy reviews for individuals and families. Its service approach includes personalized consultations to help clients navigate open enrollment periods and manage changes in coverage needs over time. The firm also offers maintenance support for existing policies, such as claims guidance and update notifications. It services single-family homes, apartments, retail locations, and restaurants in the Modesto, California area.

FI
2507 E Hatch Rd Ste B
Farmers Insurance - Maria (Candy) Melara
Health Insurance Agent · Modesto, CA

Serving Modesto and the surrounding Central Valley communities, Farmers Insurance - Maria (Candy) Melara handles health insurance plans for individuals and families. The agency works to explain coverage options, including deductibles and networks. For a typical client, the agent reviews current health needs and compares policy benefits. To complete a job, the agent coordinates directly with insurance carriers to finalize enrollment details and confirm policy start dates.

AI
2045 W Briggsmore Ave Ste A-6
Acceptance Insurance
Health Insurance Agent · Modesto, CA

Acceptance Insurance serves homeowners, renters, and small business owners in Modesto, California, offering health insurance agent services to help clients navigate plan options and find coverage that fits their needs. The agency assists with explaining policy details, comparing plans, and managing enrollment periods. Residents across the Modesto area can access these services, with support also extending to the neighboring community of Ceres.

FI
1801 H St Ste A1
Freeway Insurance
Health Insurance Agent · Modesto, CA

Freeway Insurance in Modesto, California offers health insurance coverage through both one-time policy purchases for immediate needs and recurring service options for ongoing plan management. Their agents help clients navigate individual and family health plans, as well as Medicare supplements. Service can be arranged on a one-time, scheduled, or as-needed basis depending on the client's preference for periodic enrollment support or annual plan reviews.

TI
1317 Oakdale Rd #910
TSM Insurance Services
Health Insurance Agent · Modesto, CA

TSM Insurance Services in Modesto, California focuses on helping clients select individual and family health plans, along with Medicare supplement options. It guides customers through the enrollment process and explains policy details for various coverage levels. The company assists with understanding deductibles, copayments, and network provider choices during the annual open enrollment period. It also provides support for sudden coverage needs following a job change or a major life event, such as turning sixty-five and navigating new Medicare deadlines.

NW
1532 Standiford Ave Ste A
Nick Winters - State Farm Insurance Agent
Health Insurance Agent · Modesto, CA

As annual enrollment season arrives in Modesto, many residents review their coverage needs for the coming year. Nick Winters - State Farm Insurance Agent provides guidance on health insurance options that fit individual budgets and medical requirements. The agency explains plan differences, including deductibles and provider networks, without high-pressure sales tactics. Clients receive clear answers about policy exclusions and preventive care benefits for local medical facilities near Stanislaus County. Every consultation begins with a thorough review of the applicant’s current prescriptions and physician preferences during an initial needs-assessment interview.

II
3508 Dale Rd
insureCAL Insurance Agency
Health Insurance Agent · Modesto, CA

insureCAL Insurance Agency in Modesto, CA assists individuals and families with navigating their health insurance options and securing appropriate coverage for their needs. The agency further specializes in enrolling clients in ancillary benefits, such as dental and vision plans, to complement major medical policies. These agents help local residents understand plan provisions, including deductibles and network requirements, during open enrollment and special enrollment periods. Their services extend to guiding small business owners in the region, covering commercial sectors like offices, warehouses, and food service operations.

SH
2605 Coffee Rd # 100
SANDRA HOLT
Health Insurance Agent · Modesto, CA
OP
1016 12th St Ste. A
Omega Pacific Insurance Solutions
Health Insurance Agent · Modesto, CA

Omega Pacific Insurance Solutions serves residents of Modesto and the surrounding region with individual health insurance plans that address medical needs and budget considerations. The agency also assists local businesses by facilitating commercial group coverage options for their employees. Their work involves reviewing available policy choices and explaining the differences in deductibles, networks, and prescription benefits. Clients regularly return for annual plan comparisons during open enrollment, and the agency provides ongoing support between those scheduled appointments to address any billing or coverage questions that arise.

MI
1511 Crows Landing Rd
Macias Insurance Services
Health Insurance Agent · Modesto, CA
(209) 846-9800
maciasinsurancemodesto.com
SL
5819 Chenault Dr
Scott Lucas Health and Medicare Health Insurance Brokers
Health Insurance Agent · Modesto, CA
(209) 574-0858
medigapguy.com
MH
1015 7th St
Modesto Health Insurance LLC.
Health Insurance Agent · Modesto, CA
(209) 643-8926
HN
2260 Floyd Ave #100
Health Net Insurance
Health Insurance Agent · Modesto, CA
(209) 314-5141
GO
3540 Oakdale Rd A-1
Golden Oak Insurance Services (Insurance Broker)
Health Insurance Agent · Modesto, CA
(209) 222-6200
goldenoakinsurance.com
MA
300 Banner Ct #1
Micheletti Alternative Insurance Solutions
Health Insurance Agent · Modesto, CA
(209) 576-2808
michelettiins.com
PI
1031 McHenry Ave Suite 9
Pauls Insurance Agency
Health Insurance Agent · Modesto, CA
(209) 534-4455
medicare209.com
HP
1025 J St
Health Plan of San Joaquin
Health Insurance Agent · Modesto, CA
(209) 942-6300
hpsj.com
MV
1231 8th St #100
Mc Vey Insurance
Health Insurance Agent · Modesto, CA
(209) 577-0177
CI
937 Coffee Rd Suite 700
Capetillo Insurance Solutions
Health Insurance Agent · Modesto, CA
(209) 442-4300
capetillois.com
VH
1127 12th St #202
Valley Health Insurance Center
Health Insurance Agent · Modesto, CA
(209) 524-5696
HI
1620 N Carpenter Rd D 46 A
Hibl Insurance Inc.
Health Insurance Agent · Modesto, CA
(209) 521-4440
hiblinsurance.com
SI
1600 Sunrise Ave Ste 14
Sousa Insurance Services
Health Insurance Agent · Modesto, CA
(209) 872-2025
sousains.com
SC
1617 College Ave
Sharon Care HealthMarkets
Health Insurance Agent · Modesto, CA
(209) 752-0171
healthmarkets.com/sharon.care
LA
1517 Roosevelt Dr
LaReyLLC
Health Insurance Agent · Modesto, CA
(209) 210-1097
lareyllc.com
PH
2105 Claymont Dr
Perfect Health Insurance Solutions
Health Insurance Agent · Modesto, CA
(209) 312-9444
hisinsuranceplan.com
AH
1116 J St #1250
Affordable Health Insurance Advisors
Health Insurance Agent · Modesto, CA
(209) 720-1081

What Does a a Health Insurance Agent in Modesto Cost?

Health insurance agents in California do not charge you directly for their services because they receive commissions from insurance carriers. The cost of your health insurance plan depends on your income, age, and plan tier. For 2024, monthly premiums for a mid-level Silver plan in Modesto can range from about 400 to 800 dollars for an individual before subsidies. This is general information, not insurance advice.

About health insurance agents in Modesto

Health insurance agents in Modesto, California help individuals and families find coverage through private plans or Covered California, the state marketplace. Under California law, agents must be licensed by the California Department of Insurance and can assist with special enrollment periods if you experience a qualifying life event. These professionals provide local expertise on network options and subsidies available in Stanislaus County.

Frequently Asked Questions

What does a health insurance agent in Modesto do?

A health insurance agent helps you compare plans from different carriers and enroll in coverage. They can explain how California regulations affect your options and assist with subsidy calculations through Covered California.

How do I find a licensed health insurance agent in Modesto?

You can search for agents on the California Department of Insurance website or check the Covered California agent directory. Look for an agent who is active in Stanislaus County and has experience with local health plans.

When can I enroll in health insurance in Modesto?

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 lose other coverage, move, or experience another qualifying life event.

Health Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each health insurance agent's credentials and current standing with your state Department of Insurance.