Individual Health Insurance

Daniel Insurance Agency Inc offers individual health insurance throughout the state of California. On-exchange health plans through Covered California Exchange are offered to any individual/family that qualifies for “premium assistance” based on the Affordable Care Act (ACA).

Individuals that do not qualify for premium assistance can purchase health insurance off the exchange, and Daniel Insurance Agency Inc offers plans will all major insurers in the state.

Short term insurance is an additional option for individuals not qualified for premium assistance.

For more information or assistance, contact Daniel Insurance Agency Inc by completing the contact form below.

Blue Shield of California Authorized Broker

Daniel Insurance Agency Inc is an authorized broker with Blue Shield of California. Known for their industry-leading plans and coverage, PPO plans, physician networks and exceptional customer service, Blue Shield is a preferred insurer of Daniel Insurance Agency Inc.
CLICK HERE TO QUOTE AND APPLY WITH BLUE SHIELD OF CALIFORNIA

On-Exchange ACA Plans are health plans authorized by the Affordable Care Act that meet three general criteria: 1. Each plan offers the 11 essential benefits guaranteed by the ACA. 2. Plans are regulated by the exchange to ensure premiums and coverages meet the guidelines of the ACA. 3. To qualify for premium assistance, these plans can only be purchased through an exchange.

Covered California is California’s official exchange, offering plans by Anthem Blue Cross, Blue Shield, Kaiser Permanente, HealthNet and other lerading regional providers.

Daniel Insurance Agency Inc is a CERTIFIED COVERED CALIFORNIA AGENCY and STOREFRONT.

Off-Exchange Plans are insurance plans offered by major insurers that meet the requirements of the Affordable Care Act (11 essential benefits), but are not offered along with premium assistance. Individuals that exceed the income guidelines for premium assistance are encouraged to purchase plans directly with the insurers, which offer additional coverage options and a direct relationship with the insurer/agent.

Daniel Insurance Agency Inc proudly represent all major insurers in the state of California and is a preferred broker with Blue Shield of California.

As the name implies, Short-Term Insurance were initially designed to provide coverage for a short period (less then 12 months). However with the increase of health insurance premiums, short term insurance has become a viable option for individuals wanting coverage for catastrophic events (accidents, emergency room, hospitalization, surgery), at much more affordable rates than traditional insurance.

Short term insurance does come with limitations: Does not provide the 1 essential coverage guaranteed by the ACA, Does not cover preventative or routine care, Does not cover pre-existing conditions, Limits coverage to $1 million. Yet with the limitations mentioned, short term insurance is still a viable option because premiums can average 40% to 75% of the cost of traditional insurance with the same deductible.