Expertise.com

2024

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Best Health Insurance Agencies in San Francisco, CA

Our Recommended Top 7

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 San Francisco 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.

15188Reviewed

9115Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

180 Montgomery Street, San Francisco, CA 94104
WebsiteLicense: 0I84127

Expertise.com Rating

Review Sources

Google
4.0 (16)

Why choose this provider?

Inclusive Insurance Solutions is a service provider that serves businesses and employers in San Francisco. The agency works with local businesses in providing benefits, including group health coverage for their employees. It also offers coverage for specialty risks, workers' compensation, executive liability, property and casualty, and loss control. The company's founder and CEO, John Nielsen, has been running the company for over 15 years, providing customized solutions for business insurance, business consulting, and HR services.

  • Group Plans

422 Presidio Avenue, San Francisco, CA 94115
WebsiteLicense: 0K18299

Expertise.com Rating

Review Sources

Yelp
4.5 (32)
Google
4.6 (18)
Facebook
5.0 (12)

Why choose this provider?

Riskguard Insurance Solutions, Inc. is a San Francisco-based agency that caters to residential and commercial clients in the city. It provides multiple health insurance plans such as fee-for-service, health savings account, and point-of-service policies. The agency can customize various plans for individuals and businesses. It also provides specialized plans for children's health, dental plans, and long-term care. The agency's staff has over 85 years of collective experience with first-time and long-time customers. They can compare rates from multiple carriers, including LLoyds and Mercury Insurance.

  • Individual Plans
  • Life Insurance

1492 11th Avenue, San Francisco, CA 94122
WebsiteLicense: 0D99456

Expertise.com Rating

Review Sources

Yelp
5.0 (90)
Google
4.0 (4)

Why choose this provider?

Milber Insurance is a health insurance company that serves clients from San Francisco and nearby areas. The agency offers a variety of health insurance products for individuals and families. Dental and vision plans are also available. Some of its top insurance carriers include Blue Shield of California, Covered California, and Kaiser Permanente. The company was founded in 2003 by James Milber, an experienced insurance agent who lives by the core values of patience and professionalism.

  • Life Insurance

301 Junipero Serra Boulevard, San Francisco, CA 94127
WebsiteLicense: 0613254

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Biddle-Shaw Insurance Services, Inc., works with its clientele in San Francisco to search for plans that suit their needs. It offers health policy options to protect people in the event of unexpected illnesses and injuries. The company’s health plans cover individual medical insurance, supplement health insurance, and Medicare Supplement Insurance. Its other available services include coverage for homes, renters, classic cars, and workers’ compensation. A full-service brokerage firm, Biddle-Shaw Insurance Services was established in 1938.

  • Individual Plans
  • Group Plans

P.O. Box 15580, San Francisco, CA 94115
WebsiteLicense: 0C01392

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

R. Carrie Insurance Agency, Inc. caters to clients' insurance needs in San Francisco and other surrounding areas as an independently owned and locally operated agency. It assists in finding and selecting the insurance coverage that matches the needs and prices a client is looking for. It offers various insurance products for personal and business needs such as car, home, motorcycle, workers' compensation, and boat. It also offers health insurance, such as fee for service, consumer-directed, and managed care.

  • Individual Plans

3428 Balboa Street, San Francisco, CA 94121
WebsiteLicense: 0F23517

Expertise.com Rating

Review Sources

Yelp
4.0 (23)
Facebook
5.0 (4)
Google
3.0 (3)

Why choose this provider?

Jessica Liu Insurance Services is an independent health insurance company that serves clients in the San Francisco area. Its health insurance policies help individuals, small businesses, and families cover their surgical, hospital, and medical expenses. The different types of coverage it offers include health maintenance organization, preferred provider organization, and point of service. The company also provides risk protection policies for life, properties, and vehicles. Jessica Liu, the president of the company, has been in the industry since 1991.

  • Individual Plans
  • Life Insurance

870 Market Street, San Francisco, CA 94102
WebsiteLicense: 0M17039

Expertise.com Rating

Review Sources

Yelp
4.0 (13)
Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Established in 1999, R. E. Kennedy Insurance is a full-service independent insurance agency based in San Francisco that has been providing health insurance policies to businesses and individuals in the metro. In addition, it also provides policies for life, condo home, auto, motorcycle, and renters' insurance. It also offers policies for businesses such as condo building insurance, restaurant insurance, and contractor insurance. The agency has served thousands of clients and its team has more than 30 years of combined experience.

  • Individual Plans
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Inclusive Insurance Solutions
180 Montgomery Street, San Francisco, CA 94104
Riskguard Insurance Solutions, Inc
422 Presidio Avenue, San Francisco, CA 94115
Milber Insurance
1492 11th Avenue, San Francisco, CA 94122
Biddle-Shaw Insurance Services, Inc.
301 Junipero Serra Boulevard, San Francisco, CA 94127
R. Carrie Insurance Agency, Inc.
P.O. Box 15580, San Francisco, CA 94115
Jessica Liu Insurance Services
3428 Balboa Street, San Francisco, CA 94121
R. E. Kennedy Insurance
870 Market Street, San Francisco, CA 94102

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 a large company in San Francisco required to provide health insurance to their full-time employees?

    Large companies, usually those with 50 or more full-time employees, are not required to do so. However, they could be liable for tax penalties if they do not provide health benefits to full-time employees and their dependents. Working individuals with no employer-sponsored health insurance can obtain policies from the Covered California marketplace. Income-eligible individuals in San Francisco may be able to get coverage at a reduced cost in the state-sponsored marketplace.

  • How can someone in San Francisco apply for Medi-Cal?

    To apply for Medi-Cal, one can personally visit the County Social Services Office at 1440 Harrison St., San Francisco, CA 94103, or 1235 Mission St., San Francisco, CA 94103. One can also call (855) 355-5757 or send a fax to (415) 355-2432. Another option is to apply through the MyBenefits CalWIN website or via mail addressed to: San Francisco Human Services Agency P.O Box 7988, San Francisco, CA 94120.

  • What should you take note of when filing a claim with a health insurance company in San Francisco?

    Keep a copy of the claim form and relevant documents you will submit to the health insurance company in San Francisco. Remember to make your claim as detailed as you can because the insurance will have to evaluate the information you submit. Generally, claims for health insurance involve out-of-pocket medical costs not billed automatically by the healthcare provider.

  • When are you allowed to make changes to an existing health insurance policy in San Francisco?

    In most cases, you can only make changes to your existing health insurance policy during the open enrollment period in California or if you have a qualifying event. There is a specific enrollment date, but the period typically starts in November and ends in January. To get the exact date, contact your insurance agent or company in San Francisco and the California Department of Insurance's hotline at 1-800-482-4833. On the other hand, qualifying events include but are not limited to returning from military service, losing coverage soon, and getting married.

  • According to California law, what essential health benefits are always included in any health insurance plan in San Francisco?

    Any health insurance plan in San Francisco should have some form of the following benefits in accordance with California law:

    • Mental health services.
    • Hospital care.
    • Primary care clinic costs.
    • Coverage for diagnostic tests.
    • Emergency care.
    • Rehabilitation therapy.
    • Prescription medications.
    • Oral and vision care for children.
    • Some types of post-hospitalization nursing care.
    • Outpatient procedures.
    • Preventive care like vaccinations and health checkups.
    • Substance abuse treatment.
  • 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.