BenefitsCafe offers Individual and Small Group Health Insurance Quotes in California

You can get quotes for health insurance in California on and, more importantly, you can also use our expertise to select the best insurance company and plans for you and your employees. We’ve been helping business owners and HR managers set up and run employee benefit plans since 1970 – over 45 years of experience.

We offer that rare blend of high-tech with hands-on help. We use the internet and technology to simplify the complexities of health insurance. We also work closely with our clients to solve problems and keep them in compliance with laws that govern group health insurance. We’re a highly-skilled team of experts we’ll work for you when we become the agent/broker on your plan.

We make sure that your insurance plans work the way that they are supposed to. We advocate for our clients so that insurance companies pay medical claims; grant authorizations for medical services; and resolve billing issues. Our hands-on approach allows business owners and employees to focus on their business while we solve any problems or issues that may arise with their health insurance. Give us a call at 800-746-0045 or click here to get a quote and connect with us.

We help you compare:

  • Benefits: PPO, HMO, Deductibles, Dtr. Office Co-payment, etc.

  • Price (Monthly Premium)

  • Providers: which hospitals and doctors agree to discount fees.

  • Insurance Companies: Blue Shield, Anthem Blue Cross, United Healthcare PacifiCare, Health Net, etc.

We offer expert advice and we can help you apply for group and individual California health insurance. You can print out an application or apply for coverage directly on-line.

Call us today, toll free (800) 746-0045.


Articles & Information

Learn more about health care options with our free articles and information.


These help you understand many aspects of employee benefits.

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These help you visually understand health insurance.

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These answer many of your Frequently Asked Questions.

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Rules for California

Rules for California Small Business Health Insurance

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Understand your options

Select an insurance type below to learn more.

Family and Individual Health Insurance in California


Looking for a family or individual plan? We have all the resources you need to make an informed decision about what health plan is the best for you and your family. Learn about your options, plans offered by companies such as Anthem Blue Cross and Blue Shield, get answers to your questions – like how to deal with pre-existing medical conditions, and get no-obligation California Health Insurance quotes. Learn more about Individual Health Insurance in California.

Group Plans for Small Businesses


Choosing which California group health insurance plan is right for your employees can be a daunting task, but BenefitsCafe is here to help provide you with the information and resources to select the best group plan along with money-saving tips. Get a no obligation California medical insurance quote, and compare plans. Also learn how the benefits you offer can help your small business attract and retain employees.
Learn about small group health insurance in California.

Health Savings Accounts


A health savings account (HSA) is a new way to pay for medical insurance. It allows you to put money into a tax deductible savings account for medical expenses. To sign up for an HSA, you must first be enrolled in a qualified HSA compatible health plan with a high deductible. Learn more about California health savings accounts.

Section 125 Plans


With a Section 125 Plan (also called Premiums Only Plans (POP), Cafeteria Plans or Flexible Spending Accounts (FSA)), employees pay their contributions before taxes for insurance premium, dependent care, and unreimbursed medical expenses. This can save both employees and employers money, and help small businesses offer health plans to employees that might not otherwise be affordable. Read more about Section 125 Plans.

College Students and Young Adults


Are you a college student or recent graduate needing California health insurance? A recent survey found that 30 percent of people lacking medical insurance are between the ages of 19 to 29. Many young adults feel they don’t need insurance, but an injury or serious illness can cause a major financial hardship. The good news is that there are affordable California health and dental insurance plans for young adults that can give you the coverage you need without breaking the bank. Learn more about affordable plans for college students and young adults.

Resources for Seniors


Health insurance can be a confusing topic for seniors. At, we are here to help you access your medical insurance needs. Those shopping for Medicare Supplemental health insurance in California will find carrier direct Med-Sup prices from Pacificare, Anthem Blue Cross of California, Health Net and Blue Shield. Learn more about Medicare Supplemental insurance.

California Health Benefit Exchange – Covered California


As part of the U.S. health care reform law, the California Health Benefit Exchange, called Covered California, will be a state-run organization that offers medical insurance plans to individuals, families, employers and employees. In this “market place” people can enroll in government-sponsored (public) and commercial (private) medical insurance plans. Some people may qualify for subsidies to reduce the cost of their health insurance when purchased through the Exchange. can help you understand your options. Learn more about the California Health Benefit Exchange.

Meet the team

We’re real people just a phone call away.


Bruce Jugan

Hi, I’m Bruce Jugan, president of In 1993 I took over my dad’s insurance agency…

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Stephanie Monzon

Hi, I’m Stephanie Monzon and I’ve worked at for over 16 years. I’m a fully licensed…

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Jessica Arellano

Hi, I’m Jessica Arellano and I began working at in 2015. I help clients resolve claims and…

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