Health (Under 65)

If you're under 65 and don't have coverage through an employer, Joseph Insurance Broker can help you find the right individual or family health insurance plan. We're licensed to help clients on and off the Covered California marketplace.

Health Coverage Options for Individuals & Families

• Covered California / ACA Marketplace Plans — Many Californians qualify for substantial subsidies, often reducing premiums to $0/month
• Off-Marketplace Plans — Available if you don't qualify for subsidies and want more options
• Short-Term Medical Insurance — Temporary gap coverage for life transitions
• Dental & Vision Coverage — Standalone or bundled with health plans
• Small Business Group Benefits — Offer coverage to your employees (as few as 1 W2 employee)

Covered California & ACA Enrollment

Peter is a certified Covered California agent. Open Enrollment runs November 1 – January 31. Special Enrollment Periods are available if you experience a qualifying life event (job loss, marriage, birth of child, move, etc.).