Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Ontario

Our Recommended Top 8

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 Ontario 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.

3221Reviewed

1935Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1123 North Grove Avenue, Ontario, CA 91764
WebsiteLicense: 0B03792

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

JROD Insurance Agency is an independent company that provides insurance products and services in the Ontario area. It caters to businesses, families, and individuals who need assistance in purchasing health insurance plans. The company also helps clients obtain life, home, auto, motorcycle, and commercial insurance. The professionals from this company work with various carriers to provide personalized coverages suited to the needs of clients. JROD Insurance Agency has been in the business for more than two decades.

  • Individual Plans
  • Life Insurance

124 East F Street, Ontario, CA 91764
WebsiteLicense: 0E70912

Expertise.com Rating

Review Sources

Facebook
4.5 (12)
Google
3.0 (2)
Yelp
5.0 (2)

Why choose this provider?

California Security Insurance Services is an independent insurance agency based in Ontario that serves all of California. It offers a wide range of personal coverage plans, including health insurance, which compensates for clients’ medical and hospitalization expenses in the event of covered ailments and diseases. In addition, California Security Insurance also offers life, auto, homeowners', and commercial insurance. It has partnered with a variety of affiliates which includes Infinity, Arrowhead, HCC Medical Insurance, and Alliance United.

  • Individual Plans
  • Life Insurance

1439 West Beverly Boulevard, Montebello, CA 90640

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

First Auto Insurance is an independent agency that provides health insurance solutions in Ontario and its surrounding areas. It has been providing a variety of insurance services for over 20 years. The company offers different services such as health, life, auto, travel trailer, and motorcycle insurance. It also caters to business and provides commercial auto, general liability, and workers' compensation insurance. Being an independent company allows First Auto Insurance to look for the best options that suit its clients.

  • Individual Plans
  • Life Insurance

779 North Benson Avenue, Upland, CA 91786
WebsiteLicense: 0G72985

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Golden Compass has more than 10 years of experience in providing insurance solutions to clients in Ontario. It offers a range of insurance programs, including group health insurance, supplemental plans, and commercial coverage and policies for those in the healthcare industry. The brokerage works with more than 100 insurance providers, and its insurance professionals strive to provide policies that match each client's requirements. It also utilizes MyWaveConnect, an electronic HR system, and a benefit's administration software to help manage employee benefits policies.

  • Individual Plans

9738 Central Avenue, Montclair, CA 91763
WebsiteLicense: 0M75149

Expertise.com Rating

Review Sources

Yelp
4.0 (20)
Facebook
4.5 (4)
Google
5.0 (3)

Why choose this provider?

E.S.I. Insurance Agency is an independent agency offering health insurance for clients in Ontario, Pomona, Chino, Upland, and surrounding areas. It offers products like HMO, supplemental insurance, temporary coverage health insurance plans as well as insurance policies for non-emergency procedures like lap band surgery and LASIK eye surgery. ESI Insurance Agency is a family-owned company that has been in business for over 58 years, providing services for clients who also need insurance plans such as home, commercial, and auto insurance.

  • Life Insurance

202 West Holt Boulevard, Ontario, CA 91762
WebsiteLicense: 0G11960

Expertise.com Rating

Review Sources

Google
4.0 (68)
Facebook
5.0 (5)
Yelp
5.0 (2)

Why choose this provider?

Singular Insurance Services has been providing insurance policies for clients living in Ontario and other areas. As a family-owned insurance agency, they cater to their clients with customer satisfaction in mind. They want their customers to feel that they are attended to every need when they come to them. They offer insurance policies in health, life, auto, motorcycle, commercial, and even Mexico insurance. They have existing partnerships with many major insurance providers to ensure their customers have a variety of options.

  • Life Insurance

1054 East 4th Street, Ontario, CA 91764
WebsiteLicense: 0K33531

Expertise.com Rating

Review Sources

Facebook
4.0 (8)

Why choose this provider?

Ortiz Insurance assists families and businesses in the Ontario area with their health insurance needs. The agency ensures its clients understand the terms under Covered California. It also helps them connect with health insurance companies. The agency also helps its clients understand the different types of Medicare plans available to them. Aside from health insurance, Ortiz Insurance also life, home, car, general liability, and personal property insurance products for its clients. Additionally, the agency can work with Spanish-speaking clients.

  • Life Insurance

517 North Mountain Avenue, Upland, CA 91786
WebsiteLicense: 6004080

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Locally owned and independent firm Cal American Insurance Agency has been providing its clients in Ontario with a range of insurance products. Under its health insurance plans, the agency offers coverage for dental, vision, individual, and family health insurance, as well as group health insurance. It also crafts auto, business, home, and life insurance policies. In addition, Cal American Insurance Agency works with carriers like Travelers, Safeco Insurance, The Hartford, Metlife, Bristol West Insurance Group, and Aegis.

  • Individual Plans
  • Group Plans
  • Life Insurance

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.

  • What are examples of bad faith practices in Ontario health insurance?

    Health insurance bad faith can take many forms, including inadequate claim investigation, policy alteration attempts, refusal to provide evidence, prolonged settlements, unrealistic offers, and unjust claim rejections. If you encounter such issues, consider filing a complaint with the California Department of Insurance. Consulting an Ontario lawyer is another option to explore legal remedies and protect your rights in these situations.

  • What happens if one misses the Ontario health insurance open enrollment period?

    In Ontario, a Special Enrollment Period (SEP) allows individuals to purchase health insurance outside the regular open enrollment period. This option becomes available when certain qualifying life events occur, such as childbirth, job loss, relocation to a different state, outgrowing parental coverage, marriage, divorce, or the death of a spouse. It is important to note that you will not qualify for special enrollment if you lost your previous health plan due to unpaid premiums or intentionally discontinued your coverage.

  • How much does Ontario's family health insurance cost per month?

    Your monthly health plan payment is determined by your income, family size, plan selection, and ZIP code. Covered California's bronze plan covers 60% of medical services, silver 70%, gold 80%, and platinum 90%, with different monthly payments. Out-of-pocket costs will vary depending on the tier you choose; the lower the premium, the higher the out-of-pocket cost.

  • Who in Ontario is eligible for Covered California's Minimum Coverage Plan?

    If you are an Ontario resident under the age of 30, have no objections to a high deductible plan, are in good health, rarely require medical services, and your goal is to meet the Individual Mandate, avoid penalties, and obtain health insurance at the lowest possible cost, you may be eligible for the Minimum Coverage plan. Please be aware that this plan is not eligible for a Covered California subsidy, and you will be required to pay the full cost.

  • Are illegal immigrants allowed to purchase health insurance in Ontario?

    Yes, as a result of the state's recent expansion of Medi-Cal eligibility to all low-income citizens, regardless of immigration status, low-income undocumented adults in California between the ages of 26 and 49 will be eligible for full-scope Medi-Cal coverage in January 2024. However, in accordance with federal policy, Covered California will continue to categorically exclude undocumented individuals.

  • 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.