Expertise.com
2024

Last updated:

Best Health Insurance Agencies in San Jose

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 San Jose 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.

17803

Reviewed

10685

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1095 Bird Avenue, San Jose, CA 95125
WebsiteLicense: 0748161

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
3.0 (4)

Why choose this provider?

Gatewood Insurance Agency Inc., which caters to clients in and around San Jose, is a family-owned business established by Boyd Gatewood in 1967. It customizes group health insurance programs, including PPOs, HMOs, and consumer-driven health plans. It also offers group dental and vision insurance policies, as well as health savings accounts. In addition, the agency provides insurance coverages for residences, businesses, and vehicles. The agency, now led by Traci Gatewood-Jacquet, is a member of the Agents Alliance of America.

  • Group Plans

598 East Santa Clara Street, San Jose, CA 95112
WebsiteLicense: 0G64896

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
4.0 (4)

Why choose this provider?

StarOne Valley Insurance Agency in San Jose is an independent insurance firm that offers insurance services and personal financial services in the metro. The firm is connected with different top-rated insurance providers in the area and can offer diverse quotes for life and health insurance products. Some of its health coverages include individual health plans, family health plans, accident insurance, critical illness insurance, and disability insurance. It also provides life insurance, retirement insurance, and business owner insurance plans.

  • Individual Plans
  • Life Insurance

1275 South Winchester Boulevard, San Jose, CA 95128
WebsiteLicense: 0B18073

Expertise.com Rating

Review Sources

Yelp
4.5 (3)
Google
4.0 (1)

Why choose this provider?

BayCrest Insurance Services is an insurance agency serving clients in San Jose and surrounding areas since 1974. Partnering with major insurance carriers, its team of agents specializes in providing health insurance policies to individuals, businesses, and families that are appropriate for their needs. The company also offers supplemental policies such as Medicare, vision, dental, and long-term care coverage. BayCrest Insurance Services can also assist in senior and travel insurance as well as insurance plans for small businesses.

  • Individual Plans

3750 McKee Road, San Jose, CA 95127
WebsiteLicense: 0F89805

Expertise.com Rating

Review Sources

Google
4.5 (90)
Facebook
5.0 (7)
Yelp
3.0 (5)

Why choose this provider?

Khalsa Insurance Agency is a leading health insurance agency in San Jose, California, founded in 1992. Its team of professional insurance experts takes pride in providing superior customer service that offers world-class health insurance protection plans, including Auto, Home, Health, Business, and Life Insurance. The team dedicates itself to assisting its clients in customizing insurance plans that are affordable and reliable. The agency partners with insurance companies with outstanding performance and is fair and just in the insurance sector.

  • Individual Plans
  • Life Insurance

1816 Tully Road, San Jose, CA 95122
WebsiteLicense: 0D04026

Expertise.com Rating

Review Sources

Google
4.0 (41)
Yelp
3.5 (33)
Facebook
4.0 (18)

Why choose this provider?

PHP Insurance Services, Inc., delivers insurance solutions to clients in San Jose. The firm offers individual and group health insurance options that include individual dental and vision insurance, group health insurance, and Medicare plans. It provides services such as life insurance, estate planning, long-term care, and disability income. It mitigates risks for clients by offering them policies that aim to secure their families, properties, and cars. The company has over 20 years of experience serving the Asian American community in the area.

  • Individual Plans
  • Group Plans
  • Life Insurance

190 West Amado Road, San Jose, CA 92262
WebsiteLicense: 0K62456

Expertise.com Rating

Review Sources

Yelp
4.0 (7)
Facebook
5.0 (6)
Google
5.0 (4)

Why choose this provider?

Browne Insurance Services is an insurance agency that has been offering health insurance programs in San Jose and the nearby cities since 1997. It has a wide range of health insurance plans that cover families from prescription drugs, dental, hospital, medical, and surgical expenses. It has other types of personal insurance plans such as collector car, flood, earthquake, and flood. In addition, it provides protection for businesses. Owners Don and Lola Browne have more than 40 years of experience in the business.

  • Individual Plans
  • Life Insurance

3676 Woodley Drive, San Jose, CA 95148
WebsiteLicense: 0C24312

Expertise.com Rating

Review Sources

Yelp
4.5 (9)

Why choose this provider?

BeaconRidge Health Insurance Services, Inc., answers the health insurance needs of individuals and families in San Jose and the rest of the state of California. It simplifies the process of acquiring health insurance and maintains a website where clients can enroll directly. Available options include individual health, short-term health, dental, and accident insurance, as well as Medicare supplements. In addition to these, BeaconRidge Health Insurance Services, Inc., also offers coverage plans for critical illness and cancer.

  • Individual Plans
  • Life Insurance

1816 Tully Road Suite 186, San Jose, CA 95122
WebsiteLicense: 0D67903

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (10)
Yelp
4.5 (2)

Why choose this provider?

Bay Area Health Solutions works with individuals and families in and around San Jose. It offers health insurance services to protect clients from financial losses due to life-changing events. The independent agency works with multiple carriers, including UnitedHealthcare, Aetna, Sutter Health Plus, Cigna, and Kaiser Permanente. It also caters to seniors in processing Medicare insurance, including Part C, D, and Supplemental policies. Company owner Gary Church is a certified Covered California agent who has been in the industry for over 20 years.

  • Medicare Supplements
  • Health Insurance
  • Medicare Advantage Plans

Frequently Asked Questions

  • 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 the differences between HMOs, EPOs, PPOs, and POS plans in San Jose?

    In San Jose, HMOs usually have the lowest monthly cost but necessitate referrals from a primary care physician for specialist visits. They lack out-of-network coverage. PPOs offer flexibility, allowing any preferred provider without referrals. However, they cost more for out-of-network choices. POS plans resemble HMOs but sometimes offer PPO-like, out-of-network options with some referral exceptions. Lastly, EPOs mandate selection from a specific provider list for coverage.

  • What things are not covered by Medicare in San Jose?

    Usually, Medicare in San Jose does not provide coverage for custodial care, eyeglasses, hearing aids, and related exams for prescription or fitting. Furthermore, routine foot care, dental treatment, and cosmetic surgery are also not within the coverage of Medicare. While some personal care services like aid with bathing, eating, and similar activities might be reimbursed under skilled care, they are not covered independently, except for hospice benefits.

  • Does using a health insurance agent or broker in San Jose come with an additional charge?

    No. Insurance companies compensate health insurance agents and brokers with a commission in San Jose. Regardless of whether you buy insurance directly from the company or through an agent, your insurance costs will remain constant. Throughout the insurance application process, an insurance agent can provide guidance and support without extra charges.

  • Is it possible for your health insurance application to be rejected in San Jose?

    Under the Affordable Care Act, health insurance applications in San Jose are accepted without taking pre-existing conditions into account and imposing waiting periods. Denial based on your medical history is prohibited. Your application for health insurance will be approved as long as you submit it throughout the open enrollment period or during a special enrollment if you experience a major life event.

  • What does a health savings account refer to in San Jose?

    An HSA in San Jose is a tax-advantaged medical savings account for taxpayers with a high-deductible health plan. Contributions are tax-free and can be utilized for medical costs. Withdrawals not intended for medical purposes follow a structure comparable to IRA withdrawals, potentially providing tax benefits after retirement but incurring penalties if taken out before a specific age.

  • 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.

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