Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Santa Barbara

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 Santa Barbara 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.

1627

Reviewed

981

Curated

12

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3412 State Street, Santa Barbara, CA 93105
WebsiteLicense: 0773817

Expertise.com Rating

Why choose this provider?

Based in Santa Barbara, Stevens & Associates Insurance Agency Inc. specializes in helping individuals and businesses acquire health insurance. It offers a selection of personal insurance products ranging from dental coverage plans to health insurance policies that cover critical illnesses. Its staff also assists businesses in orienting their employees about Medicare coverage and retirement health policies, preparing information packets that include enrollment guides and forms. Company president Gerald Ray has over 30 years of industry experience. He serves on a National Health Insurance Advisory Board.

  • Group Plans
  • Health Insurance

114 E Haley St Ste F, Santa Barbara, CA 93101
WebsiteLicense: 0I79698

Expertise.com Rating

Review Sources

Google
5.0 (289)
Yelp
4.9 (38)
Facebook
4.8 (31)

Why choose this provider?

Kait Cortenbach is a State Farm insurance agent assisting individuals in Santa Barbara. She helps clients in choosing from a wide range of health insurance coverage options. For two years, her team has been educating people about different insurance plan options such as supplemental health, Medicare supplement, and individual medical coverages. Cortenbach also offers life, auto, and pet insurance. She is an active supporter of the community and joins programs like the Adopt-A-Family Toy Drive.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

924 Anacapa Street, Suite 2T, Santa Barbara, CA 93101
WebsiteLicense: 0H52995

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Santa Barbara Health Insurance serves the residents of the metro and its neighboring areas. It offers an array of health insurance options, including preferred provider organizations and health maintenance organizations. In addition, it handles small group and family health coverages. The company also provides Medicare Supplements, dental, long-term care, and life policies. Its founding partner, Steve Byrd, is a Chartered Life Underwriter. He is also a member of the National Association of Insurance and Financial Advisors.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

Attorney Information

Attorney NameBar StatusExperience
Rob Cavaness - Founding PartnerActive20 yrs

5901 Encina Rdoad, Goleta, CA 93117
WebsiteLicense: 0M24917

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
3.7 (3)

Why choose this provider?

Cornerstone Insurance Service is an independent agency that was founded in 1992. Its team of insurance agents provides options for individuals, families, and businesses in and around Santa Barbara. The company offers health insurance policies and Medicare plans such as Medicare Advantage, Medigap, and prescription drug plans. It also helps employers acquire insurance for workers' compensation, professional liability, and commercial auto. Cornerstone Insurance Service has a Certified Financial Planner and a Chartered Financial Consultant on staff.

  • Health Insurance

Attorney Information

Attorney NameBar StatusExperience
Dave Koppa - OwnerActive9 yrs

27 West Anapamu St #218, Santa Barbara, CA 93101
WebsiteLicense: 6002821

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Cito Insurance Services helps clients in choosing suitable life and health coverage plans in Santa Barbara. It works closely with every consumer to determine their unique health needs and financial situation to make suitable Medicare recommendations. The agency assists in selecting and enrolling in plans for hospital, medical, prescription drugs, and supplements coverages. It provides information that helps people understand what benefits and limitations each plan offers. Broker Julia Hood founded Cito Insurance Services, an independent agency that represents carriers like Blue Shield.

  • Life Insurance

3020 De La Vina St., Santa Barbara, CA 93105
WebsiteLicense: 0K64155

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Brashears is a locally owned and operated independent insurance agency that serves clients in Santa Barbara and the surrounding areas. It offers employee health insurance plans for businesses that have more than 50 employees. The agency also provides insurance products for cars, boats, businesses, and workers. It has formed partnerships with multiple insurance carriers, allowing it to offer more client coverage options. The agency has also expanded its operations to the Hawaiian islands over the years.

  • Health Insurance
  • Home and Auto Insurance

225 E. Cota St. #8, Santa Barbara, CA 93101
WebsiteLicense: 0K75652

Expertise.com Rating

Review Sources

Google
4.9 (12)
Yelp
5.0 (2)

Why choose this provider?

State Street Insurance Solutions is an independent agency helping clients in Santa Barbara find suitable health coverages. It strives to deliver consumers with an informative process of applying for individual medical, dental, vision, Medicare, and Covered California policies. The broker agency also guides company and business owners in choosing group health coverages like 1099 independent contractors and voluntary plans for a diverse workforce. Diana Lewallen Higgins formed her insurance firm in 1998 after working for a large local agency.

  • Individual Plans
  • Group Plans
  • Health Insurance

1221 State Street, Santa Barbara, CA 93101
WebsiteLicense: 0K29011

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
5.0 (3)

Why choose this provider?

Hopper Insurance Services is an independent agency serving Santa Barbara and the surrounding areas. It offers various health insurance solutions, including individual health, group health, and Medicare Supplemental policies. In addition, life insurance solutions such as term life, permanent life, and legacy life policies are also provided. Bob Hopper founded the company in 1996. Apart from being an insurance broker, he is also an author, speaker, and educator in the industry.

  • Life Insurance
  • Health Insurance

300 East Canon Perdido Street, Santa Barbara, CA 93101
WebsiteLicense: 0K71525

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

CoreGen Insurance Agency, LLC is a full-service and independent agency that offers insurance solutions to clients around Santa Barbara and its nearby areas. Since opening its doors in 2009, the agency has worked with an extensive network of health insurance companies that provide coverage for medical, surgical, and hospital expenses. Two of the most common health insurance policies it assists with are fee-for-service and managed care plans. Long-term and short-term care, as well as disability packages, are also offered by this insurance agency.

  • Health Insurance

P.O. Box 4295, Santa Barbara, CA 93140
WebsiteLicense: 0E23227

Expertise.com Rating

Why choose this provider?

Kirkpatrick and Associates has been providing individuals, families, and businesses in and around the Santa Barbara metro with insurance products since 1964. The company’s health insurance products include small group, individual, and family ACA plans. It also provides Medicare Supplement plans, travel insurance, long-term coverage, and short-term care. The company offers streamlined e-commerce options for faster transactions and coverage enrollment. Kirkpatrick and Associates also provides dental and vision coverage add-ons to existing health insurance plans.

  • Health Insurance

360 S. Hope Avenue, Suite C-120, Santa Barbara, CA 93105
WebsiteLicense: 0757179

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Peters & Milam Insurance Services addresses the health protection plan requirements of clients in the Santa Barbara area. This agency, in operation for 15 years, offers healthcare plans to individuals, seniors, and businesses. The coverages are tailored to the unique needs of each client and usually include dental, vision, life, long-term disability, and long-term care. It also educates clients about Medicare and supplemental insurance policies, using easy-to-understand terms to help clients make informed decisions.

  • Life Insurance
  • Health Insurance
  • Medicare

351 Paseo Nuevo, Santa Barbara, CA 93102
WebsiteLicense: 0793560

Expertise.com Rating

Review Sources

Google
4.4 (5)

Why choose this provider?

Karimian Insurance Services is an independent agency that has been serving clients in Santa Barbara since 1990. It provides health insurance solutions, including EPO, POS, HMO, and PPO. The agency helps clients design and maintain risk management policies for vehicles, life, and properties. It also offers insurance coverage for businesses, such as general liability and workers' compensation plans. Karimian Insurance Services was founded by Michael Karimian, a first-generation immigrant who created a chain of referrals through transparency and accountability.

  • Life Insurance
  • Health Insurance

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.

  • Does Santa Barbara offer free health insurance?

    Yes, Santa Barbara and all of California offer free health insurance known as Medi-Cal, a low-cost to free coverage for qualified residents. Applicants applying with Covered California and enrolling in Medi-Cal get managed health plans. The program covers low-income pregnant women, families, adults, and children.

  • Is it easy for Santa Barbara residents to find doctors who participate in the Medi-Cal health insurance program?

    Yes, it is relatively easy for Santa Barbara residents to find doctors in the Medi-Cal health insurance program because over 400 hospitals and around 130,000 healthcare providers, such as doctors, dentists, and pharmacists, are participants. Most program members in the California Healthcare Foundation’s recent survey stated that primary care physicians can easily be found nearby. To look for a care provider, one may search the Health Care Options website of the Department of Health Care Services.

  • How does an out of pocket maximum affect Santa Barbara health insurance policyholders?

    The out-of-pocket maximum is the annual threshold that sets the limit a Santa Barbara health insurance policyholder needs to spend on their deductibles, copays, and coinsurance. After meeting this limit, their insurance company pays for the rest of their medical expenses during that year.

  • What is the health insurance marketplace being used in Santa Barbara?

    The health insurance marketplace being used in Santa Barbara is Covered California. It is a state-operated marketplace to make government healthcare plans and private health insurance more accessible to the public. The platform provides access to family and individual health insurance plans offered by government-funded policies and private providers.

  • What do parts A through D of the Medicare health insurance program entail for the Santa Barbara population?

    Generally, part A of Medicare provides health insurance for Santa Barbara patients in hospitals, while part B provides coverage when they are out of it. Medicare supplement plans, also called Medigap plans, provide coverage that fills the gaps of the previous parts, while part D serves as the prescription drug part of the program.

  • 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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