The individual health insurance market in California features a blend of established players and innovative startups catering to consumers, families, and businesses. Various types of companies operate here—from large, corporate firms to smaller, specialized agencies. They primarily offer plans that cater to an array of healthcare needs, including Medicare Advantage, dental, vision, and individual health benefits. As healthcare technology advances and consumer expectations shift, firms are increasingly embracing digital platforms for easier access and comparability. Notably, the push for increased transparency in pricing and services is driving industry changes, reshaping how individuals select and manage their health insurance.


This listing includes 23 individual health insurance companies based in California, ranging from small agencies to larger corporate entities. Founded between 1955 and 2018, these firms differ in size—from a handful of employees to thousands. Most provide essential options such as Medicare, individual health insurance, and long-term care. They operate mainly within the U.S. but some extend their services internationally, alongside a focus on personalized and accessible service tailored to community needs.


Continue reading to discover California's top individual health insurance companies.


Top 23 Individual Health Insurance Companies Companies in California


1. Health Net

  • Website: healthnet.com
  • Ownership type: Corporate
  • Headquarters: Los Angeles, California, United States (USA)
  • Employee distribution: United States (USA) 98%, Other 2%
  • Latest funding: March 2016
  • Founded year: 1979
  • Headcount: 1001-5000
  • LinkedIn: health-net

Health Net, LLC, founded in 1979 and based in Los Angeles, California, is a health insurance provider that specializes in offering a range of health plans tailored for individuals, families, and businesses. The company is particularly known for its Medicare Advantage and Medi-Cal plans, which serve a significant portion of the population in California and neighboring states. Health Net emphasizes accessible healthcare solutions and wellness programs, aiming to help customers effectively manage their health. With a workforce of over 5,000 employees, Health Net is committed to enhancing the health and well-being of its members through various initiatives, including behavioral health support and telehealth services. As a subsidiary of Centene Corporation, Health Net operates under a larger umbrella that strengthens its capabilities in the health insurance market.


2. eHealth, Inc.

  • Website: ehealth.com
  • Ownership type: Private
  • Headquarters: Santa Clara, California, United States (USA)
  • Employee distribution: United States (USA) 93%, China 6%
  • Founded year: 1997
  • Headcount: 1001-5000
  • LinkedIn: ehealthinsurance

eHealth, Inc., founded in 1997 and based in Santa Clara, California, operates as a health insurance provider. The company specializes in offering a wide array of health insurance plans, including Medicare, individual and family plans, and employer health insurance options. eHealth serves both consumers and businesses, assisting them in finding suitable coverage that meets their healthcare needs and budget. The company positions itself as a health insurance matchmaker, providing tools for users to compare plans that cover their doctors and prescriptions. With a workforce of over 2,000 employees, eHealth has established a significant presence in the health insurance market, focusing on delivering personalized service through licensed benefit advisors. Their platform allows users to explore various plans, ensuring they can make informed decisions about their health coverage.


3. Western Health Advantage

  • Website: westernhealth.com
  • Ownership type: Private
  • Headquarters: Sacramento, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 201-500
  • LinkedIn: western-health-advantage

Western Health Advantage (WHA) is a private health insurance provider based in Sacramento, California, founded in 1997. The company specializes in offering a range of health plans, including individual, family, and employer group coverage. WHA is dedicated to delivering affordable healthcare solutions and wellness resources to individuals, families, and businesses across Northern California. With a workforce of approximately 204 employees, the company operates entirely within the United States. WHA's plans include Medicare Advantage options, catering to a significant segment of the population. The company prides itself on fostering strong relationships between patients and healthcare providers, ensuring that members have access to quality care. WHA also emphasizes community engagement, supporting local organizations and initiatives, which reflects its commitment to the well-being of the communities it serves.


4. HealthSherpa

  • Website: healthsherpa.com
  • Ownership type: Venture Capital
  • Headquarters: Sacramento, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $6.6M, February 2017
  • Founded year: 2014
  • Headcount: 201-500
  • LinkedIn: healthsherpa

HealthSherpa, founded in 2014 and based in Sacramento, California, is a health insurance agency that specializes in helping consumers navigate the complexities of the Affordable Care Act (ACA). The company offers a user-friendly platform that allows individuals and families to compare various health insurance options and enroll in plans that best suit their needs. HealthSherpa's services are provided at no cost to users, making it an accessible resource for those seeking affordable health coverage. The company has established itself as a trusted partner of Healthcare.gov, displaying the same plans and prices while offering additional tools to streamline the enrollment process. With a dedicated team of advocates, HealthSherpa provides year-round support to help users understand their options and make informed decisions. The company has received funding, totaling over $6.6 million, which has likely contributed to its growth and technological advancements in the ACA marketplace.


5. Sidecar Health

  • Website: sidecarhealth.com
  • Ownership type: Venture Capital
  • Headquarters: Manhattan Beach, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: Series D, $165.0M, June 2024
  • Founded year: 2018
  • Headcount: 201-500
  • LinkedIn: sidecarhealth

Sidecar Health, based in Manhattan Beach, California, is a health insurance provider that offers major medical insurance plans tailored for individuals and employers. Founded in 2018, the company has carved out a niche by emphasizing transparency in healthcare costs and empowering members with the freedom to choose their healthcare providers without the constraints of a network. Sidecar Health aims to simplify the healthcare experience by providing upfront pricing and comprehensive coverage options. The company has received significant venture capital funding, with its latest round totaling $165 million in June 2024, reflecting strong market interest and confidence in its business model. Sidecar Health's innovative approach includes a cash-pay model that allows members to pay providers directly, potentially leading to lower costs and greater savings. This model not only enhances consumer choice but also aligns with the growing demand for more straightforward and accessible healthcare solutions.


6. Área Salud

  • Website: areasalud.es
  • Ownership type: Private
  • Headquarters: Hidden Valley Lake, California, United States (USA)
  • Founded year: 2012
  • Headcount: 1-10
  • LinkedIn: %c3%a1reasalud

Área Salud, founded in 2012 and based in Hidden Valley Lake, California, is a private health insurance provider. The company specializes in offering a variety of insurance products, including health, dental, and funeral insurance. They cater to both individual consumers and businesses, aiming to help clients manage healthcare costs and access necessary medical services. Their business model emphasizes comprehensive coverage and personalized service, with a focus on direct communication between clients and agents. This approach allows them to tailor insurance solutions to meet specific needs, enhancing customer satisfaction. Despite their small size, with a team of 1-10 employees, Área Salud has established itself in the health insurance market, providing essential services to its clients.


7. The Lynn Company

  • Website: lynncompany.com
  • Ownership type: Private
  • Headquarters: Bakersfield, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1955
  • Headcount: 11-50
  • LinkedIn: the-lynn-company

The Lynn Company, based in Bakersfield, California, has been a fixture in the insurance industry since its founding in 1955. This private agency specializes in a variety of insurance products, prominently featuring health insurance, life insurance, dental, and long-term care coverage. They cater to both individual clients and businesses, providing consulting services that help clients understand their insurance options and comply with regulations. The company has adapted to changes in the healthcare landscape, offering off-exchange health insurance plans and Medicare supplements. Their focus on customer service and compliance with the Affordable Care Act guidelines underscores their commitment to their clients. The Lynn Company serves a broad area in California, including Kern County and surrounding regions, positioning itself as a trusted resource for insurance information and advice.


8. Coverance Insurance Solutions, Inc.

  • Website: coveranceis.com
  • Ownership type: Venture Capital
  • Headquarters: Long Beach, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: Series B, $10.5M, September 2020
  • Founded year: 2017
  • Headcount: 11-50
  • LinkedIn: coveranceis

Coverance Insurance Solutions, Inc., founded in 2017 and based in Long Beach, California, is a health insurance agency that specializes in Medicare-related services. The company provides a range of options, including Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D prescription drug plans. Coverance aims to assist individuals in understanding and selecting the best Medicare coverage options tailored to their unique needs. With a team of licensed agents, the company emphasizes personalized service, helping clients navigate the often complex Medicare system. In September 2020, Coverance secured $10.5 million in Series B funding, which underscores its growth potential and commitment to enhancing its service offerings in the Medicare market.


9. Health Insurance

  • Website: maryeblen.com
  • Ownership type: Private
  • Headquarters: Encinitas, California, United States (USA)
  • Employee distribution: Egypt 34%, United States (USA) 28%, India 21%, Other 17%
  • Founded year: 2000
  • Headcount: 1-10
  • LinkedIn: health-insurance

Mary Eblen Health Insurance Agency, founded in 2000 and located in Encinitas, California, is a private health insurance agency dedicated to providing a range of health insurance options. The agency specializes in Medicare Advantage plans, supplemental insurance, and other health coverage solutions tailored to the needs of individuals, families, and businesses. With over 24 years of experience in the California market, Mary Eblen emphasizes personalized service, ensuring clients receive the best coverage for their specific situations. The agency represents multiple organizations, offering approximately 75 products, and prides itself on being accessible to clients year-round without any additional charges for their services. Their focus on affordability and quality healthcare solutions positions them as a relevant player in the individual health insurance sector, particularly within California.


10. Kuhtz Diehl Insurance and Financial Services, LLC


Kuhtz Diehl Insurance and Financial Services, LLC, founded in 2002, operates as a private insurance agency based in Fresno, California. The company specializes in a range of insurance products, prominently featuring individual health insurance, Medicare options, and employee benefits. With a team of experienced agents, Kuhtz Diehl aims to simplify the insurance process for individuals, families, and small businesses. They provide tailored solutions to meet the unique healthcare and financial needs of their clients. The agency has garnered accolades from major insurance carriers, including Anthem Blue Cross and United Healthcare, reflecting their commitment to high service standards. Their focus on education and client support positions them as a knowledgeable resource in the health insurance sector.


11. All Types Insurance Agency

  • Website: alltypesins.com
  • Ownership type: Family Owned
  • Headquarters: Lincoln, California, United States (USA)
  • Employee distribution: United States (USA) 50%, India 50%
  • Founded year: 2009
  • Headcount: 1-10
  • LinkedIn: all-types-insurance-agency

All Types Insurance Agency, also known as MK4 Health Insurance Services, is a family-owned insurance agency based in Lincoln, California. Founded in 2009, the agency specializes in health insurance, particularly Medicare solutions, individual health insurance, and supplemental insurance plans. With a small team of dedicated professionals, they focus on providing personalized consultations to help clients understand their insurance options and avoid penalties associated with late enrollment. The agency represents several well-known carriers, including Aetna, Anthem Blue Cross, and UnitedHealthcare, offering a range of products tailored to the needs of their clients. Their commitment to client education and support has established them as a trusted resource for individuals, especially those eligible for Medicare, in navigating the often complex world of health insurance.


12. Student Medicover

  • Website: smcovered.com
  • Ownership type: Private
  • Headquarters: Burlingame, California, United States (USA)
  • Employee distribution: United States (USA) 84%, China 16%
  • Founded year: 2013
  • Headcount: 11-50
  • LinkedIn: student-medicover-co-

Student Medicover, founded in 2013 and based in Burlingame, California, is a private health insurance provider that specializes in affordable health insurance plans tailored for international students. The company aims to simplify the often daunting healthcare experience for students studying abroad by offering a range of insurance products, including health, life, travel, dental, and vision insurance. With a workforce of around 63 employees, Student Medicover has a strong presence in the U.S. and a notable connection to the Chinese student community. Their commitment to customer service is evident in their 24/7 support, which includes assistance in multiple languages. The company has successfully supported over 300,000 students, providing them with the necessary coverage to navigate healthcare challenges while pursuing their education. Their plans are designed to be cost-effective, ensuring that health care remains accessible to students without compromising on quality.


13. Boost Health Insurance


Boost Health Insurance, based in Huntington Beach, California, is a private health insurance agency founded in 2016. The company specializes in a range of insurance products, including health, dental, vision, life, and critical illness insurance. It aims to assist individuals in navigating the often complex landscape of health insurance by providing personalized support through licensed agents. Boost Health Insurance emphasizes affordability and customer service, helping clients find plans that suit their specific needs. The agency operates entirely within the United States and has built a reputation for uncovering lesser-known insurance options that may offer better value. With a focus on individual clients, including self-employed individuals and families, Boost Health Insurance positions itself as a resource for those seeking tailored health coverage solutions.


14. Stella Health Insurance Agency


Stella Health Insurance Agency, based in Montebello, California, is a private insurance agency founded in 2012. With a team of approximately 42 employees, the agency focuses on providing tailored health insurance solutions, including Medicare Advantage and Supplement plans, life insurance, and individual and family health insurance. Stella Health prides itself on its personalized approach, helping clients understand their healthcare choices and find the best coverage for their needs. The agency is particularly active in Southern California, where it serves as a resource for local communities, offering educational seminars and consultations. Their commitment to assisting underserved populations highlights their role in improving healthcare access and quality in these areas. Stella Health Insurance Agency operates without reported funding, indicating a self-sustaining business model that relies on its service offerings and client relationships.


15. Alianza Seguros S.A.

  • Website: alianza.com.bo
  • Ownership type: Private
  • Headquarters: Santa Cruz, California, United States (USA)
  • Employee distribution: Bolivia 96%, Other 4%
  • Founded year: 1991
  • Headcount: 501-1000
  • LinkedIn: alianza-seguros

Alianza Seguros S.A., officially known as Alianza Compaia de Seguros y Reaseguros S.A., is an insurance provider based in Santa Cruz, Bolivia. Established in 1991, the company has grown to employ around 530 individuals, with a significant majority of its workforce located in Bolivia. Alianza Seguros offers a range of insurance products, including life, general, and health insurance, catering to both individual consumers and businesses. Their focus on health insurance is underscored by their offerings that aim to mitigate financial risks associated with health-related events. The company is dedicated to providing reliable insurance services, ensuring that clients have access to essential coverage. Alianza Seguros has not reported any recent funding, indicating a stable operational model without external financial backing.


16. The Word & Brown Companies


The Word & Brown Companies, based in Orange, California, is an insurance agency that specializes in health insurance and employee benefits. Established in 1984, the company has dedicated itself to making health care more accessible for individuals, families, employers, and employees. They provide a comprehensive suite of services, including group quoting, underwriting, and COBRA administration, aimed at brokers, employers, and individuals. The company operates through a family of specialized entities, each focusing on different aspects of health insurance and employee benefits. Their innovative tools, such as the Quot-O-Matic® platform, have transformed how brokers access and present health insurance options. With a workforce of around 570 employees, The Word & Brown Companies has been recognized for its employee-centric culture and commitment to community involvement, further solidifying its role in the health insurance industry.


17. Kevin Knauss Health & Life Insurance


Kevin Knauss Health & Life Insurance, based in Granite Bay, California, is a private health insurance agency founded in 2010. The company operates with a small team, focusing on providing personalized assistance to individuals, families, and small groups in navigating the often complex world of health insurance. Kevin Knauss, the founder, is an independent health insurance agent who emphasizes education and support for his clients. The agency offers a range of services, including enrollment in health plans through Covered California, Medicare Advantage, and Medi-Cal. They also provide resources and information on dental and vision insurance. Knauss is known for his commitment to client education, often sharing insights through blog posts, videos, and podcasts. This approach not only helps clients make informed decisions but also positions the agency as a knowledgeable resource in the health insurance industry.


18. VSP Vision Care

  • Website: vsp.com
  • Ownership type: Private
  • Headquarters: Rancho Cordova, California, United States (USA)
  • Employee distribution: United States (USA) 99%, Other 1%
  • Founded year: 1955
  • Headcount: 1001-5000
  • LinkedIn: vsp-vision-care

VSP Vision Care, founded in 1955 and based in Rancho Cordova, California, is a prominent vision care provider in the United States. The company offers a range of vision insurance plans tailored for individuals and businesses, emphasizing affordability and access to a vast network of eye care professionals. VSP aims to enhance the health and satisfaction of its members through comprehensive vision care solutions. With approximately 2,860 employees, VSP serves a significant portion of the U.S. population, focusing on providing value through exclusive savings and customized plans. The company has established itself as a trusted partner for many employers, including over half of Fortune 500 companies, highlighting its relevance in the employee benefits space. VSP also engages in community initiatives, such as providing assistance to those affected by natural disasters, further demonstrating its commitment to member welfare and community support.


19. Matrix Insurance Agency

  • Website: matrixia.com
  • Ownership type: Private
  • Headquarters: Fremont, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 11-50
  • LinkedIn: matrix-insurance-agency

Matrix Insurance Agency, founded in 2006 and based in Fremont, California, is a private insurance agency that specializes in health insurance solutions. The agency caters to both businesses and individuals, offering a range of products that include group health plans, individual and family plans, as well as commercial insurance. With a team of approximately 33 employees, Matrix Insurance Agency focuses on providing personalized service and comprehensive coverage tailored to the unique needs of their clients. They serve a clientele primarily composed of small to mid-sized businesses and individuals seeking customized insurance options. Their expertise extends to both domestic and global health insurance plans, allowing them to address the needs of clients with international employees. Matrix has built a reputation for attentive service, as evidenced by positive testimonials from long-term clients who appreciate their responsiveness and reliability.


20. Life Matters Insurance and Financial Solutions


Life Matters Insurance and Financial Solutions, founded in 2008 and based in Valley Springs, California, is a private insurance agency that specializes in health insurance and financial solutions. The company primarily serves individuals, particularly those eligible for Medicare, by providing tailored consultations to help clients understand their insurance options. Their offerings include Medicare planning, MediShare solutions, and dental and vision coverage. The agency prides itself on educating clients about their choices, helping them avoid common pitfalls such as late enrollment penalties. With a focus on personalized service, Life Matters Insurance and Financial Solutions has established a presence across California and a few other states, reflecting their commitment to client support and community involvement. They represent multiple organizations, offering a variety of products to meet the needs of their clients.


21. Cigna-Digital

  • Website: mycigna.com
  • Ownership type: Private
  • Headquarters: Santa Monica, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2011
  • Headcount: 51-200
  • LinkedIn: brighter-com

Cigna-Digital, based in Santa Monica, California, is a private health insurance provider founded in 2011. The company specializes in offering a variety of healthcare services tailored to both individuals and businesses. Cigna-Digital is dedicated to enhancing access to personal health information, enabling consumers to manage their health more effectively. With a workforce of approximately 69 employees, the company operates entirely within the United States, focusing on delivering solutions that cater to the evolving needs of its clients in the health insurance market.


22. Collins and Associates

  • Website: insuranceexperts.com
  • Ownership type: Private
  • Headquarters: San Diego, California, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1973
  • Headcount: 11-50
  • LinkedIn: collins-and-associates

Collins and Associates, now known as Insurance Experts Solutions, is a San Diego-based insurance brokerage founded in 1973 by Michael G. Collins. The company has over 50 years of experience in the insurance industry, focusing on providing a range of products including life, health, disability, and long-term care insurance. They serve both individual clients and businesses, aiming to help them find affordable insurance solutions to mitigate financial risks associated with health and life events. The firm prides itself on its partnerships with top-rated insurance carriers, ensuring clients receive competitive policies tailored to their needs. The current president, Jason P. Veirs, continues the legacy of the founder, emphasizing a commitment to client service and industry expertise. Despite not having reported any funding, the company maintains a strong reputation in the insurance market, particularly in health insurance.


23. National Senior Benefit Advisors


National Senior Benefit Advisors (NSBA), founded in 2017 and based in San Diego, California, is an insurance agency dedicated to assisting seniors with their Medicare-related needs. The company offers a range of plans, including Medicare Advantage, Medicare Supplement, and Medicare Part D, aimed at helping individuals understand and select the best healthcare options available to them. With a team of approximately 40 employees, NSBA prides itself on its commitment to client happiness and a positive company culture. Their agents are trained to provide personalized guidance, ensuring that clients are well-informed about their choices. NSBA has built a reputation for reliability and trustworthiness, as evidenced by the numerous referrals and long-term relationships they maintain with their clients. The agency's focus on enriching the lives of its members—both clients and team members—highlights its dedication to service in the health insurance industry.



Individual Health Insurance Companies Insights: Key Companies in California


CompanyHeadquarterSizeFoundedOwnership
Health NetLos Angeles, California, United States (USA)1001-50001979Corporate
eHealth, Inc.Santa Clara, California, United States (USA)1001-50001997Private
Western Health AdvantageSacramento, California, United States (USA)201-5001997Private
HealthSherpaSacramento, California, United States (USA)201-5002014Venture Capital
Sidecar HealthManhattan Beach, California, United States (USA)201-5002018Venture Capital
Área SaludHidden Valley Lake, California, United States (USA)1-102012Private
The Lynn CompanyBakersfield, California, United States (USA)11-501955Private
Coverance Insurance Solutions, Inc.Long Beach, California, United States (USA)11-502017Venture Capital
Health InsuranceEncinitas, California, United States (USA)1-102000Private
Kuhtz Diehl Insurance and Financial Services, LLCFresno, California, United States (USA)11-502002Private
All Types Insurance AgencyLincoln, California, United States (USA)1-102009Family Owned
Student MedicoverBurlingame, California, United States (USA)11-502013Private
Boost Health InsuranceHuntington Beach, California, United States (USA)11-502016Private
Stella Health Insurance AgencyMontebello, California, United States (USA)51-2002012Private
Alianza Seguros S.A.Santa Cruz, California, United States (USA)501-10001991Private
The Word & Brown CompaniesOrange, California, United States (USA)501-10001984Private
Kevin Knauss Health & Life InsuranceGranite Bay, California, United States (USA)1-102010Private
VSP Vision CareRancho Cordova, California, United States (USA)1001-50001955Private
Matrix Insurance AgencyFremont, California, United States (USA)11-502006Private
Life Matters Insurance and Financial SolutionsValley Springs, California, United States (USA)1-102008Private
Cigna-DigitalSanta Monica, California, United States (USA)51-2002011Private
Collins and AssociatesSan Diego, California, United States (USA)11-501973Private
National Senior Benefit AdvisorsSan Diego, California, United States (USA)11-502017Private


Want to Find More Individual Health Insurance Companies Companies?

If you want to find more companies that offer various health insurance plans and services to clients you can do so with Inven. This list was built with Inven and there are hundreds of companies like these globally.

With Inven you'll also get to know the company's:

  • Detailed Ownership: Who owns the company? Is it a public or private company? What is the ownership structure?
  • Contact data: Who are the founders and CEO's? What are their emails and phone numbers?
  • Financials: How do these companies perform financially? What are their revenues and profit margins?

...and a lot more!