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2024

Last updated:

Best Health Insurance Agencies in Santa Clara, CA

Our Recommended Top 13

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 Clara 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.

2381Reviewed

1433Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1731 Technology Drive, San Jose, CA 95110
WebsiteLicense: 0D63171

Expertise.com Rating

Review Sources

Google
4.0 (10)

Why choose this provider?

Archway is an insurance brokerage that serves Santa Clara. It assists clients in multiple areas, including employee benefits such as group medical, vision, and dental insurance. The agents can also furnish long-term disability and life protection plans. With the help of their partner carriers like Liberty Mutual and Nationwide, they are able to customize plans that match clients' specific needs. Archway was established after Dempsey Insurance, Clayton Insurance, Valley General Insurance, and Micor Insurance joined together to form one company in 2003.

  • Life Insurance

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

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
3.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Gatewood Insurance Agency Inc. is an independent insurance agency that works with other companies to provide insurance services. It caters to clients in Santa Clara and the surrounding areas. Its team works with clients to address their concerns and offer them the proper insurance products with the right coverages. It offers group health insurance which has multiple option plans such as PPO, HMO, and CDHP. Its other insurance products include auto, motorcycle, homeowners, boat and watercraft, and personal umbrella insurance.

  • Group Plans

1765 Scott Boulevard, Santa Clara, CA 95050
WebsiteLicense: 0K89331

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Chi Jiang of State Farm is a health insurance agent who helps individuals and companies in the Santa Clara area. Jiang is dedicated to improving people's lives through financial services products. He assists clients to identify and select the policies that fit their needs such as life insurance and workers' compensation. In addition, he guides customers to find a fitting coverage for living spaces and vehicles. Jiang began his career in 2013 in New York, and he has been working with State Farm since 2019.

  • Individual Plans
  • Life Insurance

P.O. Box 23219, San Jose, CA 95153
WebsiteLicense: 0588175

Why choose this provider?

Rich Suess Insurance Services is a multi-line agency founded in 1980 by Rich and Yolanda Suess. It delivers coverage options to customers in Santa Clara. The company offers an array of policies like health insurance, term and permanent life insurance, dental insurance, and long-term care insurance. It also has coverage for boats and motorcycles. The firm's other available products include business insurance, general liability, and workers’ compensation. Rich Suess Insurance Services has served more than 400 individual and corporate accounts.

  • Life Insurance

3375 Scott Boulevard, Santa Clara, CA 95054
WebsiteLicense: 0F41734

Expertise.com Rating

Review Sources

Facebook
3.0 (3)
Google
5.0 (2)

Why choose this provider?

With services available to clients in Santa Clara, Matrix Insurance Agency is an independent insurance agency that caters to individuals and businesses. The independent firm focuses on providing life insurance, individual health insurance, and family health insurance. Commercial insurance solutions are also available, such as commercial automobile insurance, professional liability insurance, employment practice liability insurance, and workers' compensation. The company was founded by professionals with a combined experience of over 50 years in the insurance industry.

  • Group Plans

6081 Meridian Avenue, San Jose, CA 95120
WebsiteLicense: 0F69756

Expertise.com Rating

Why choose this provider?

Magnate Benefits & Insurance Services is a health insurance agency that offers disability, medical, vision, and dental insurance in Santa Clara. Its health insurance plans cover surgical procedures, specialized care, medical testing, and prescriptions. These are available in different forms, including HMOs and HSA. The company also helps businesses design and implement employee benefits plans, assessing current programs using industry benchmarks, and providing research assistance for funding alternatives. Additionally, Magnate Benefits & Insurance Services carries global healthcare benefits, including individual international healthcare plans.

  • Individual Plans
  • Group Plans

888 North 1st Street, San Jose, CA 95112
WebsiteLicense: 0D35060

Expertise.com Rating

Review Sources

Yelp
3.0 (2)

Why choose this provider?

Established in 1960, Sanfilippo & Sons Insurance Services, LLC, is dedicated to providing quality insurance products to Santa Clara and San Jose. It offers comprehensive health insurance packages with options for surgical and dread disease policies, hospital indemnity and major medical coverage, and HMO plans. Additionally, its insurance specialists employ a client-centered approach and are equipped to help clients curate, implement, and monitor financial strategies designed to address their specific situations. Sanfilippo & Sons Insurance Services also provides homeowners', life, cyber liability, and workers' compensation insurance coverage.

  • Life Insurance

1045 North 4th Street, San Jose, CA 95112
WebsiteLicense: 0G63188

Expertise.com Rating

Why choose this provider?

Community Insurance Agency has been delivering a broad range of insurance products and services to individuals, families, and businesses in Santa Clara since 1972. It offers health insurance, life insurance, business insurance, auto insurance, and home insurance. Community Insurance Agency also handles workers' compensation and provides insurance coverage for special events of any size, including liquor liability insurance. It has insured hundreds of restaurants throughout the years. In addition, it serves clients in San Jose, Bodega Bay, and San Diego.

  • Life Insurance

35 West Main Avenue, Morgan Hill, CA 95037
WebsiteLicense: 0F70727

Expertise.com Rating

Review Sources

Google
5.0 (34)
Yelp
5.0 (7)
Facebook
5.0 (3)

Why choose this provider?

Gabriela Ruvalcaba is a State Farm agent from Morgan Hill servicing Santa Clara by offering health insurance plans to the local communities. Gabriela has been in the insurance sector for three decades. Her agency is a team of insurance professionals ready to provide customers with a variety of reliable insurance options. They help clients find the right policy for their auto insurance, homeowners insurance, renters insurance, life insurance, and more. They also assist with relocations specifically to the South Bay Area.

  • Individual Plans
  • Life Insurance

1590 The Alameda, San Jose, CA 95126
WebsiteLicense: 0761333

Expertise.com Rating

Review Sources

Yelp
4.0 (6)

Why choose this provider?

Guarino Insurance Agency is an independent insurance company that delivers a wide range of personal and commercial insurance products and services to clients in Santa Clara. It provides health insurance for small groups, dental and vision insurance, various types of life insurance products, auto insurance, home insurance, and business insurance. Owner Mike Guarino has been in the industry since 1988. He initially named the company Mike Guarino Insurance Agency, but rebranded it after his wife joined the company in 2002.

  • Group Plans
  • Life Insurance

1566 La Pradera Drive, Campbell, CA 95008
WebsiteLicense: 0531039

Expertise.com Rating

Review Sources

Yelp
1.0 (1)

Why choose this provider?

Ken McLaughlin Insurance partners with a variety of carriers to provide insurance plans to individual, business, and commercial clients tailored to meet their needs. Since its establishment in 1977 by Ken McLaughlin, it has served the Santa Clara area by helping clients secure policies for different types of insurances. The agency offers various types of life insurance options, such as individual life, group life, long-term care, and disability insurance. Additionally, Ken McLaughlin Insurance provides assistance with home, auto, and personal umbrella insurance.

  • Individual Plans
  • Life Insurance

5542 Monterey Road, San Jose, CA 95138
WebsiteLicense: 0D96616

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Keith D. Bishop serves clients in Santa Clara and throughout California. Keith has been providing insurance services for over a decade. He specializes in health insurance plans for individuals, families, and small groups. Policies range from critical illness and Medicare plans to dental and vision coverages. He also provides insurance products for life plans, long-term care, and accident protection. Keith is an insurance agent at HealthMarkets offering products from carriers Kaiser, Humana, UnitedHealthcare, and Aetna.

PO Box 33289, Los Gatos, CA 95031
WebsiteLicense: 0C15097

Expertise.com Rating

Review Sources

Google
3.7 (3)
Yelp
5.0 (1)

Why choose this provider?

EJMS Insurance Services is a full-service insurance brokerage that has been delivering a broad range of personal and commercial insurance products and services to clients residing in Santa Clara since 1997. Its insurance professionals have five or more years of experience in risk assessment, claims handling, management, and underwriting skills. They offer health, homeowners, automobile, umbrella, marine, and motorcycle insurance. They also provide insurance policies for floods, earthquakes, renters, and landlords. Additionally, the company serves clients in Arizona and Texas.

  • Individual Plans

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Archway
1731 Technology Drive, San Jose, CA 95110
Gatewood Insurance Agency Inc.
1095 Bird Avenue, San Jose, CA 95125
Chi Jiang
1765 Scott Boulevard, Santa Clara, CA 95050
Rich Suess Insurance Services
P.O. Box 23219, San Jose, CA 95153
Matrix Insurance Agency
3375 Scott Boulevard, Santa Clara, CA 95054
Magnate Benefits & Insurance Services
6081 Meridian Avenue, San Jose, CA 95120
Sanfilippo & Sons Insurance Services, LLC
888 North 1st Street, San Jose, CA 95112
Community Insurance Agency
1045 North 4th Street, San Jose, CA 95112
Gabriela Ruvalcaba
35 West Main Avenue, Morgan Hill, CA 95037
Guarino Insurance Agency
1590 The Alameda, San Jose, CA 95126
Ken McLaughlin Insurance
1566 La Pradera Drive, Campbell, CA 95008
Keith D Bishop
5542 Monterey Road, San Jose, CA 95138
EJMS Insurance Services
PO Box 33289, Los Gatos, CA 95031

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 there a waiting period for employer-based health insurance plans in Santa Clara?

    Yes, many health insurance plans obtained from employment have waiting periods of up to 90 days. The period is not set by law but is a rule that depends on the employer. During this time, the employee in Santa Clara will not have to pay for the insurance premiums or have access to the benefits.

  • If you apply for financial assistance from the County of Santa Clara, can you choose the program you want?

    Not really. There are various qualification measures for each financial assistance program, whether state, federal, or county programs. Your individual details and information will be considered to determine the program best suited to your needs and situation. Rest assured any information you give will be treated with the highest level of confidence. For more information, contact a financial counselor from the County of Santa Clara Health System at 866-967-4677​.

  • What happens if you already bought a plan directly from a Santa Clara insurance company and not from the Covered California online marketplace?

    You cannot enjoy some financial benefits in Santa Clara if you do not buy health insurance from the Covered California online marketplace. Check if your insurance company offers plans on Covered California, including ones similar to what you currently have. Buying your next policy from the same insurance company on Covered California may enable the deductibles you have already paid to be carried over to your new plan.

  • Can something happen to your assets in Santa Clara if you enroll in Medi-Cal?

    Medi-Cal will not try to recoup its cost of medical assistance during the lifetime of the insured in Santa Clara. It will only make a claim to the estate of the person aged 55 years old or more or any institutionalized person when they die. Other than this, anyone enrolled in Medi-Cal may not worry about their assets unless they are institutionalized. For more information, contact the Third Party Liability and Recovery Division of the CA DHS at 916-650-0590.

  • Are discount plans in Santa Clara considered health insurance?

    Not really. Discount plans simply provide discounts for services and products obtained from pharmacists, doctors, and healthcare facilities. On average, discounts can range from 30% to 60%. Before buying one, the California Department of Insurance advises consumers in Santa Clara to call its office at 1-800-927-4357. These plans are not insurance and may cost more in the long run than a standard health plan.

  • 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.