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2025

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Best Health Insurance Agencies in Merced, CA

Our Recommended Top 6

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 Merced 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.

1487Reviewed

894Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Health Insurance Agencies Serving Merced
1124 W Olive Avenue Suite 102, Merced, CA 95348
Visit WebsiteLicense: 0F24801

Expertise.com Rating

Review Sources

Google
4.9 (199)
Facebook
5.0 (10)
Yelp
3.0 (6)

Why choose this provider?

Peggy Biddison is an insurance agent that works for State Farm and serves residents of Merced and neighboring communities. She offers health insurance plans that cover hospital bills, medical expenses, and hospice care. Peggy can review a client's medical history to recommend additional coverages, such as prescriptions and long-term private care. She also provides life and pet insurance plans. Peggy and her staff speak fluent Spanish and have over six decades of combined experience in insurance planning and claims.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

Best Health Insurance Agencies Serving Merced
840 W Olive Ave Suite E, Merced, CA 95348
Visit WebsiteLicense: 0M53647

Expertise.com Rating

Review Sources

Google
4.9 (38)
Facebook
4.3 (8)
Yelp
3.7 (3)

Why choose this provider?

Quote Valley Insurance is an independent agency serving Merced clients. It tailors group health insurance plans that fit the needs of small or large businesses. Other offerings for commercial clients include general liability and workers' compensation coverage. Quote Valley Insurance also provides dental, vision, and life insurance options, as well as Medicare Supplement and Advantage plans. It is affiliated with Covered California and works with multiple carriers to create the right insurance plan for its clients.

  • Health Insurance

Best Health Insurance Agencies Serving Merced
61 W Alexander Ave, Merced, CA 95348
Visit WebsiteLicense: 0H56008

Expertise.com Rating

Review Sources

Google
5.0 (110)
Yelp
5.0 (6)

Why choose this provider?

Torrey Moe is a State Farm insurance agent who serves clients in the Merced metro. He assists individuals and families on matters related to health insurance and provides options like Medicare Supplement and disability insurance plans. Moe helps car owners manage damage repair costs through coverage plans like collision insurance. He also offers other insurance products, such as home, pet, and life insurance. Moe has over 10 years of experience in the financial services industry.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

Best Health Insurance Agencies Serving Merced
3187 Collins Drive, Merced, CA 95348
Visit WebsiteLicense: 0646081

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
4.4 (7)
Yelp
5.0 (3)

Why choose this provider?

Leap Carpenter Kemps Insurance Agency has been in the insurance industry since 1947. Serving Merced and the local areas, the independent agency partners with a variety of carriers to provide clients with comprehensive health insurance plans that provide coverage for their specific needs such as medical, surgical, long-term care, and hospital costs. Some insurance companies the agency works with include Allianz, Blue California, The Hartford, and Liberty Mutual. Other insurance products include life, commercial, and personal insurance.

  • Health Insurance

Best Health Insurance Agencies Serving Merced
505 W 18th Street, Merced, CA 95340
Visit WebsiteLicense: 0E39077

Expertise.com Rating

Why choose this provider?

Salmeri Insurance Agency is an independent insurance brokerage in Merced that writes personal and commercial insurance plans for clients in the metro. The firm has been operating since 1965 and caters to individuals, families, firms, and farm-owners. It offers health insurance products that are crafted and computed based on risk reduction, elimination, risk transfer, and risk assumption techniques. Some of its other insurance products include property insurance, agriculture insurance, crop insurance, home insurance, and automobile insurance.

  • Life Insurance
  • Health Insurance

Best Health Insurance Agencies Serving Merced
830 W 19th Street, Merced, CA 95340
Visit WebsiteLicense: 0H39862

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
5.0 (7)
Yelp
5.0 (4)

Why choose this provider?

Justi Smith is an insurance agent at State Farm. She helps and educates policy buyers throughout Merced. She provides a wide range of insurance products, such as life, auto, health, business, and property insurance. Smith also offers notary services. She is the former president of Soroptimists International. She caters to foreign individuals and fluently speaks Portuguese. Established almost 100 years ago, State Farm has over 19,000 independent insurance agents and 83 million policies and accounts across the country.

  • Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Peggy Biddison
1124 W Olive Avenue Suite 102, Merced, CA 95348
Quote Valley Insurance
840 W Olive Ave Suite E, Merced, CA 95348
Torrey Moe
61 W Alexander Ave, Merced, CA 95348
Leap Carpenter Kemps Insurance Agency
3187 Collins Drive, Merced, CA 95348
Salmeri Insurance Agency
505 W 18th Street, Merced, CA 95340
Justi Smith
830 W 19th Street, Merced, CA 95340

Merced, CA Health Insurance FAQs

  • How should residents of Merced select the right health insurance policy?

    In Merced, individuals must consider their medical history when buying health insurance. Those in good health can opt for basic plans, while individuals with frequent medical needs should explore comprehensive coverage. Catastrophic insurance suits those needing coverage only for major disasters. The correlation between higher premiums and better coverage is significant, particularly for conditions like heart disease. It's essential to ensure coverage for potential injuries for those leading an active or adventurous lifestyle.

  • What are the healthcare coverage options for no or low-income Merced residents?

    Residents of Merced who earn up to 138% of the Federal Poverty Level are eligible for Medicaid, a state-subsidized health care program. Individuals over the age of 65, as well as those with certain disabilities or kidney problems, are eligible for Medicare. Part A covers hospital and select home care, Part B manages doctor services and outpatient care, and Part D covers prescription medication costs.

  • What is Medi-Cal, and which residents in Merced qualify for it?

    Medi-Cal uses federal and state funds to provide health coverage to Merced residents. Individuals receiving SSI/SSP, CalWORKs, Refugee Assistance, or Foster Care benefits are automatically eligible. Additionally, those 65 and older, blind, disabled, diagnosed with certain cancers, or residing in specific care facilities are eligible. Parents with children under the age of 21 may also be eligible in certain circumstances.

  • Can immigrants in Merced obtain health coverage?

    The Affordable Care Act allows most Merced immigrants, including green card holders, refugees, and other visa holders, to obtain health insurance. Covered California allows both legal and non-legal residents to explore their options. While those without legal status cannot enroll in Covered California plans, they may be eligible for Medi-Cal until the age of 26 or during pregnancy. They can also obtain private insurance or county-specific plans.

  • How does the Affordable Care Act benefit American Indians and Alaska Natives in Merced?

    In Merced, the Affordable Care Act provides financial assistance to American Indians and Alaska Natives from federally recognized tribes, such as reduced healthcare costs based on income. Those earning between 100 and 300% of the federal poverty level are eligible for zero-cost plans. Meanwhile, regardless of income, those served by Indian health providers or through their referral have no out-of-pocket costs. Eligible members can also get Medi-Cal for free.