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Compare Health Insurance Agents in Rancho Santa Margarita, CA
Directory of health insurance agents in Rancho Santa Margarita, California. Verify credentials with the state department of insurance before hiring.
14 agents listed
Updated May 2026
Rancho Santa Margarita, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 14 health insurance agents in Rancho Santa Margarita, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Ultra Care Concepts
30021 Tomas #300, Rancho Santa Margarita, CA 92688
(949) 679-4540
ultracareconcepts.com
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
Health insurance agents in Rancho Santa Margarita help individuals and families find coverage that meets their needs and budget. California requires all agents to be licensed by the Department of Insurance. Agents can assist with Covered California plans, which are available during the annual open enrollment period or a special enrollment period triggered by a qualifying life event.
What Does a Health Insurance Agent in Rancho Santa Margarita Cost?
Health insurance agents in California do not charge consumers a fee for their services. Their compensation comes from the insurance carriers they represent. The cost of the health plan itself varies widely. For example, a Covered California silver plan for a single adult in Orange County may have a monthly premium between 400 and 700 dollars before subsidies. Subsidies can lower that cost significantly based on your income. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a health insurance agent in Rancho Santa Margarita do?
A health insurance agent helps you compare plans from different carriers, explains benefits and costs, and assists with enrollment. They provide guidance on Covered California subsidies and private plans. Agents do not charge you directly; they are paid by the insurance company.
When can I enroll in a health plan through an agent in California?
Open enrollment for Covered California usually runs from November 1 to January 31 each year. You can enroll outside this period if you have a qualifying life event such as losing other coverage, moving, or having a baby. An agent can help you determine if you qualify for a special enrollment period.
Do health insurance agents in California have to follow special rules?
Yes. California agents must be licensed and follow state laws including the California Insurance Code. They must provide clear information about plan benefits and costs. Agents cannot misrepresent a policy or recommend a plan that is not suitable for your needs.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.