Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

7 Best Fresno Health Insurance Agencies

Cal-Valley Insurance Services

5070 N 6th St 155, Fresno, CA 93710

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Life Insurance

Cal-Valley Insurance Services is an independent insurance agency that represents multiple insurance companies. It provides health insurance, such as long-term disability insurance and long-term care insurance in Fresno. In addition, it caters to clients' insurance needs for life, homes, auto, valuable possessions, pets, and weddings. Some of the insurance plans available for business owners are workers' compensation insurance, cyber liability insurance, and business owner's policy. Its partner carriers are Allied Insurance, Kemper, and The Hartford.

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Covered California

4005 North Blackstone Avenue, Fresno, CA 93726

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Individual Plans

Based in Fresno, Covered California assists clients in the area with their insurance needs. The agency helps clients navigate the healthcare market to find a health insurance plan that best suits their situation. It provides assistance in the application process and will continuously give long-term support and help clients understand their insurance plans. It also offers Medicare products such as Part A, Part B, Part C, and Part D. Covered California works with various insurance carriers, including Health Net, Anthem Blue Cross, and Molina Healthcare.

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Foster & Parker Insurance

1643 North Schnoor Street, Madera, CA 93637

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Life Insurance
Health Insurance

Foster & Parker Insurance addresses the insurance needs of Fresno residents and businesses. An affiliate of HUB International, the company offers auto, farm, home, and life insurance solutions, helping its clients obtain adequate financial protection. Its brokers assist clients in understanding available health insurance plans, such as Medigap insurance policies and individual and family health insurance. Foster & Parker also provides comparative insurance quotes through its online platform. Moreover, it offers industry-specific insurance products, including real estate, hospitality, and transportation insurance.

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HRBC Insurance

5446 North Palm Avenue, Fresno, CA 93704

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Health Insurance

HRBC Insurance is an independent insurance agency that provides its services to individuals, families, and businesses in Fresno and the surrounding communities. It represents multiple carriers that offer a variety of health insurance packages. It carries Medicare insurance plans like Medicare Advantage Plan and Medigap. Additionally, it provides health insurance packages like group health insurance, health maintenance organization (HMO), point of service (POS), exclusive provider organization (EPO), and preferred provider organization (PPO). It was founded in 2005 by Henry Romero.

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Kerr Insurance Brokers

7255 North First Street, Fresno, CA 93720

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Group Plans

Kerr Insurance Brokers is a family-owned independent insurance agency in Fresno that has served clients for more than a decade. The insurance brokers at the agency offer health insurance plans for employers of small and mid-sized businesses. They provide health insurance plans from multiple insurance carriers, including Aetna, United Healthcare, Oscar, Healthnet, and Anthem Blue Cross. In addition, they can design a tax-friendly disability insurance plan for groups. Other products are group life insurance and voluntary benefits.

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Meine Insurance Agency

1526 Shaw Avenue, Clovis, CA 93611

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Life Insurance

Meine Insurance Agency offers risk management and insurance solutions to families, individuals, and businesses in the Fresno area. It helps clients find health and life insurance products that meet their financial needs. Its other insurance products include commercial general liability, workers' compensation, cyber liability, and business property insurance. Ben Meine, the founder of Meine Insurance Agency, established the company in 2013. He started his career in insurance in 2001, working as an insurance agent and broker.

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Van Berg Insurance Services

770 East Shaw Avenue, Fresno, CA 93710

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Individual Plans

Van Berg Insurance Services has more than 25 years of experience helping seniors secure health insurance. The company has three locations across the state, including an office in Fresno. It offers Medicare Advantage, Medicare Supplement plans, and prescription coverage for seniors. Its specialists also conduct Medicare 101 webinars to educate customers on their coverage options. As certified health insurance agents, the firm also helps those seeking premium assistance apply for individual or family health plans through Covered California.

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Best Health Insurance Agencies in Fresno

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Health Insurance Agencies FAQs

Cal-Valley Insurance Services

Covered California

Foster & Parker Insurance

HRBC Insurance

Kerr Insurance Brokers

Meine Insurance Agency

Van Berg Insurance Services

Frequently Asked Questions

Q: Is there a tax credit for having health insurance?

Q: Do employers have to offer health insurance?

Q: Do you have to pay a health insurance deductible upfront?

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