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2024

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Best Health Insurance Agencies in Carlsbad, CA

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Carlsbad Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2141Reviewed

1289Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

701 Palomar Airport Road, Carlsbad, CA 92011
WebsiteLicense: 0G03485

Expertise.com Rating

Review Sources

Facebook
4.0 (24)
Google
5.0 (17)
Yelp
5.0 (2)

Why choose this provider?

Compare Healthcare Insurance & Dental Plans is a local agency serving Carlsbad. It specializes in health insurance and Medicare plans for individuals, families, and small businesses. Representing multiple insurance companies, its agents provide different types of health insurance policies, such as Affordable Care, Covered California, private PPO, and employer group health plans. They also offer options in maternity, medical cost-sharing, dental, and vision insurance. Featured insurers include Aetna, Blue Cross Blue Shield, Cigna, and Kaiser Permanente.

  • Group Plans
  • Employee Benefits

2794 Gateway Road, Carlsbad, CA 92009
WebsiteLicense: 0E36358
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (27)
Google
5.0 (19)
Yelp
5.0 (6)

Why choose this provider?

Breathe Insurance helps clients in Carlsbad find health insurance plans that fit their needs. With over a decade of industry experience, its team of insurance agents uses EZLynx, which streamlines the agency's workflow. They provide health insurance policies to maintain the overall well-being of individuals and their loved ones. The plan pays for essential medical expenses, including prescription drugs, surgical procedures, medical exams, and other out-of-pocket medical costs. Breathe Insurance is a Dave Ramsey Endorsed Local Provider.

  • Individual Plans
  • Life Insurance

2888 Loker Avenue East, Carlsbad, CA 92010
WebsiteLicense: 0C84228

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

California Health Quote Insurance is one of California's largest enrollment centers. It has been handling the health insurance needs of Carlsbad and other surrounding communities since 1986. It offers health insurance solutions to businesses, individuals, seniors, and families. Aside from providing personalized quotes for health, vision, dental, and Medicare supplemental insurance from major providers, the company also assists its clients in accomplishing their insurance applications. For those traveling abroad, it also offers travel insurance coverage.

  • Individual Plans
  • Group Plans

3146 Tiger Run Court, Carlsbad, CA 92010
WebsiteLicense: 0665227

Expertise.com Rating

Review Sources

Google
5.0 (41)
Yelp
5.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Ken May Insurance Services is a full-service independent agency located in Carlsbad. It offers individual health insurance plans, such as medical coverage, HMO plans, surgical health plans, and hospital indemnity. Its agents are also well-versed in ACA-compliant policies and help customers compare insurance options that fit their circumstances. In addition, the agency handles other personal insurance products, including home, auto, and life insurance. Leading the firm is Ken May, a Certified Insurance Service Representative and a board member of the American Agents Alliance.

  • Individual Plans
  • Life Insurance

7736 Via Rico, Carlsbad, CA 92009
WebsiteLicense: 0F89895

Expertise.com Rating

Review Sources

Yelp
5.0 (47)
Google
5.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Serving Carlsbad, SPF Insurance Services provides a variety of insurance products to individuals, families, and small businesses in the metro. It offers life insurance policies such as term life insurance, whole life insurance, fixed life insurance, variable life insurance, and indexed life insurance. The company also has other insurance options like health insurance, dental insurance, and disability insurance. SPF Insurance Services strives to make it easy for clients to find the appropriate insurance coverage that fit their needs.

  • Group Plans

2888 Loker Avenue, Carlsbad, CA 92010
WebsiteLicense: 0L65833

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Yelp
5.0 (9)
Google
5.0 (2)

Why choose this provider?

Bishop Insurance Services is an insurance agency that serves individuals, families, and businesses in Carlsbad. It offers various healthcare, dental, and Medicare plans that provide financial security to the beneficiaries in the event of an unexpected accident or illness. It also works with several providers, such as Anthem, Cigna, UnitedHealthcare, to deliver insurance coverage options that suit the health needs of its clients. Holly M. Bishop established the agency in October 2013. She has more than 30 years of insurance experience.

  • Life Insurance

2888 Loker Avenue East, Carlsbad, CA 92010
WebsiteLicense: 0D23334

Expertise.com Rating

Review Sources

Yelp
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

AE Health Insurance Options is a company operating in Carlsbad. It offers individual and family health insurance as well as group health benefits. A wide variety of Medicare insurance options are also available such as Medicare Supplement, Medicare Advantage, and Medicare part D. Moreover, the agency provides dental and vision plans to individuals, families, and people in Medicare. One of its agents, Michael Quintana, worked in the technical sales engineering industry for more than 20 years. He now has a decade of experience in the insurance industry.

  • Individual Plans
  • Group Plans

6120 Paseo Del Norte, Carlsbad, CA 92011
WebsiteLicense: 0E15215

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (2)

Why choose this provider?

SSA Insurance Services offers life insurance solutions to clients in Carlsbad and the surrounding areas. The business has been serving the community for over 14 years, simplifying the insurance implementation process and provides concierge services. Its agents perform a one-on-one consultation to identify the client's goals and needs. They offer term, universal, and indexed universal life insurance. In addition, they offer Medicare Part A and B plans. Furthermore, it represents multiple insurance carriers, including Aetna, Anthem, Principal, and UnitedHealthcare.

  • Life Insurance

3025 Cadencia Street, Carlsbad, CA 92009
WebsiteLicense: 0E67716

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (3)

Why choose this provider?

Kipper Insurance Agency of California, also known as KIAC Inc. or KIAC Insurance Agency, has operated in Carlsbad and the surrounding areas since 1987. KIAC is a veteran-owned and family-owned company of Californian insurance brokers that represents different insurance companies and is licensed to offer insurance in California and Nevada. It assists clients with Medicare plans and helps them choose from various health insurance plan options. Bob Kipper founded the firm and serves as the president and CEO.

  • Life Insurance

2710 Loker Avenue West, Carlsbad, CA 92010
WebsiteLicense: 0H15545

Expertise.com Rating

Review Sources

Google
4.0 (7)
Yelp
5.0 (2)

Why choose this provider?

Ryan Waggener is a second-generation State Farm insurance agent who offers health insurance products that include supplemental health insurance, Medicare Supplement insurance, and individual medical coverage in Carlsbad. Additionally, he assists clients who are interested in getting insurance coverage for their lives, auto, boats, homes, businesses, and pets. Moreover, Waggener provides various business insurance, including business owners' policies, workers' compensation insurance, and general liability insurance. State Farm also caters to banking and investments needs.

  • Life Insurance

2391 South Melrose Drive, Vista, CA 92081
WebsiteLicense: 0F17024

Expertise.com Rating

Review Sources

Yelp
5.0 (34)
Google
5.0 (15)
Facebook
5.0 (5)

Why choose this provider?

Serving Carlsbad, Aloha West Insurance is an insurance agency owned and managed by Steve Webber, a Registered Health Underwriter who has been in the industry for more than 35 years. Aloha West Insurance offers health insurance, workers' compensation, employee benefits, auto insurance, business insurance, and life insurance. Clients commend the professionalism and portfolio of Aloha West Insurance when it comes to responding to their varying insurance needs. Aloha West is actively serving clients in San Diego and North County.

  • Individual Plans
  • Group Plans
  • Life Insurance

5120 Avenida Encinas, Carlsbad, CA 92008
WebsiteLicense: 0M36233

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
4.5 (7)
Facebook
5.0 (1)

Why choose this provider?

King Benefits Insurance Solutions, Inc., is an independent insurance agency that serves clients in Carlsbad. It offers various healthcare, Medicare, long-term care, disability, and dental insurance plans from various providers, including MetLife, UnitedHealthcare, and Aetna. The agency also specializes in providing group insurance and employee benefit plans for families and businesses. Bill King established the agency as William J. King & Associates in 1972. He has worked as a life insurance agent with MetLife and strives to utilize his problem-solving skills.

  • Individual Plans
  • Group Plans
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Compare Healthcare Insurance & Dental Plans
701 Palomar Airport Road, Carlsbad, CA 92011
Breathe Insurance
2794 Gateway Road, Carlsbad, CA 92009
California Health Quote Insurance
2888 Loker Avenue East, Carlsbad, CA 92010
Ken May Insurance Services
3146 Tiger Run Court, Carlsbad, CA 92010
SPF Insurance Services
7736 Via Rico, Carlsbad, CA 92009
Bishop Insurance Services
2888 Loker Avenue, Carlsbad, CA 92010
AE Health Insurance Options
2888 Loker Avenue East, Carlsbad, CA 92010
SSA Insurance Services
6120 Paseo Del Norte, Carlsbad, CA 92011
KIAC Insurance Agency
3025 Cadencia Street, Carlsbad, CA 92009
Ryan Waggener
2710 Loker Avenue West, Carlsbad, CA 92010
Aloha West Insurance
2391 South Melrose Drive, Vista, CA 92081
King Benefits Insurance Solutions, Inc.
5120 Avenida Encinas, Carlsbad, CA 92008

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Is health insurance a right for Carlsbad employees?

    Carlsbad or the rest of California has no law mandating employers to provide employees with health insurance. Some employees may be eligible for health insurance coverage, such as union members or employees with contracts that include health insurance. However, larger firms (those with more than 50 full-time employees) that do not provide health insurance to their workers may be subject to penalties under the federal Affordable Care Act.

  • Is health insurance mandatory in Carlsbad?

    Having health insurance in Carlsbad is crucial to avoid penalties unless you qualify for an exemption. This rule is based on the notion that more individuals with health insurance can help reduce costs for everyone. When individuals are insured, the cost of treatments for the uninsured decreases for all residents. Conversely, when uninsured individuals visit the emergency room and cannot pay the bill, the treatment costs may increase for everyone, leaving taxpayers with the burden of paying the difference.

  • How does one determine if a Carlsbad health insurance company's decision to deny a claim was motivated by bad faith?

    Signs of insurance bad faith include denied claims without valid reasons, lack of communication from the insurer, no response to claim filings, failure to promptly communicate claim denials, and deliberate misinterpretation of policy coverage. It should be noted that the first step in challenging a health insurance claim denial is to do so with your insurer in Carlsbad. However, if your original request for benefits was unfairly refused and your insurer is unhelpful, legal recourse may be necessary.

  • Can health insurance carriers in Carlsbad cancel a policy without notice?

    If you are applying for health insurance and unintentionally give false information, the insurance company cannot immediately terminate your coverage unless you intentionally misled them or the information was crucial to their choice to insure you. Additionally, Carlsbad health insurers must give policyholders 30 days' notice before canceling, even for compelling reasons. Policyholders should be notified of the cancellation reason and the right to appeal to the state insurance commissioner.

  • What is the distinction between a group and an individual health insurance plan in Carlsbad?

    Individual plans in Carlsbad are underwritten based on the person being insured and are not purchased through employment. Group insurance, on the other hand, is not underwritten individually and is offered to employees by their employers or unions. As opposed to individual health insurance policies, group policies typically have a third-party administrator handle enrollment and claims. In most cases, the administrator is the employer, and they are in charge of taking on new members and filing claims for policy benefits.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.