California Individual Health Insurance

Have you ever spent a sleepless night worrying about everything that could go wrong? Thoughts can easily intrude on what the future holds. What would you do if you broke your leg and couldn’t work? What will you do if your spouse needs surgery? How will you pay the medical bills if there’s an emergency?

Every California family deserves the peace of mind of a health insurance policy that covers you and helps cover your medical expenses. With the right health insurance policy, you don’t have to worry about the what-ifs of medical costs, injuries, and illnesses.

What will health insurance in California pay for?

What exactly will be covered by your California health insurance policy will depend on the specific policy you choose. Most policies will include:

  • Doctors visits
  • Prescriptions
  • Medical testing
  • Specialized care
  • Surgical procedures

All insurance policies are required to cover preventative services, prescription drugs, and maternity and newborn care.

What kind of California health insurance policy should I choose?

Every health insurance policy is different. You can choose a high deductible plan and pay only for the procedures you use. Other policy options include lower deductibles or copayments when seeing a doctor. The type of policy you choose depends on your budget and your medical care needs. Individuals and families who rarely need to visit the doctor may do well with a higher deductible plan. Those who have chronic illnesses or who frequently visit the doctor may want health insurance that allows a co-pay.

Do I have to use the Marketplace website to buy health insurance in California?

Not at all! You can work with PTL Insurance Brokers to view available plans, get your questions answered, and find the best health insurance coverage for you and your family. Instead of using a website that can be confusing or might not be available when you’re ready to make a decision, you’ll get personalized, hands-on help from insurance professionals.

Whether you’re self-employed or your employer doesn’t provide health insurance, you can still find an affordable policy that protects you from the growing expenses of medical care. Contact us today to learn what your options are and for a free quote.


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Personal Insurance

No matter where you are in life — just starting out or thinking about retirement — PTL Insurance Brokers can help you find the right insurance. From auto to motorcycle, home insurance to renters insurance, we’re here to help you protect yourself, your family, and your home from whatever happens next.

Business Insurance

Building a business takes time, patience, know-how, and the right tools. The right insurance coverage can mean the difference between coming back from disaster or not. At PTL Insurance Brokers, we’ll help you protect your California business, big or small. From general liability to workers compensation, we can help you cover your business from most risks.

Life & Health Insurance

Everyone needs life and health insurance, no matter how old or young you are. You might not want to think about the worst that can happen, and we understand the feeling but you need to protect yourself and your family. Work with PTL Insurance Brokers to purchase the right policies for where you’re at today. We’ll worry about the details, and you just worry about living a full and happy life in the California sun!