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Best Health Insurance Agencies in Milpitas, CA

Our Recommended Top 3

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 Milpitas 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

3412 State Street, Milpitas, CA 93105
WebsiteLicense: 0773817 Rating

Review Sources

4.7 (10)

Why choose this provider?

Stevens & Associates Insurance Agency, Inc., is an independent business serving individuals, families, and businesses in Milpitas and the surrounding communities. The agency offers health insurance policies covering a wide range of categories, from Medicare supplements and employer and group retiree medical packages to critical illness, dental and vision, and long-term care policies. The company was founded in 1984 by Gerald “Ray” Stevens, who has served on several National Health Insurance Advisory Boards through the years.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

1525 McCarthy Boulevard, Milpitas, CA 95035
WebsiteLicense: 0B28106 Rating

Why choose this provider?

Established in 1994, Yu Benefits & Insurance Services is an insurance agency that caters to clients in Milpitas and the surrounding areas. It represents a number of insurance companies, including Anthem Blue Cross of California, Kaiser Permanente, MetLife, and UnitedHealthcare. It offers individual health policies, which include dental, disability, life, long-term care, Medical, and retirement coverages. Additionally, it offers group insurance solutions, such as benefits administration outsourcing, benefits programs, consulting, retirement plans analysis, and risk management.

  • Life Insurance
  • Individual Plans
  • Group Plans

391 Jacklin Road, Milpitas, CA 95035
WebsiteLicense: 0K31966 Rating

Review Sources

5.0 (179)
4.8 (120)

Why choose this provider?

Thang Vo provides clients in Milpitas and throughout California with health, life, and pet insurance plans. He and his four team members also assist consumers, especially the foreign and new drivers, in getting auto, home, business, and retirement policies. In addition, they offer financial services in banking, mutual funds, and annuities. Vo is a first-generation State Farm agent who has been with the company since 2012. His agency has staff members who speak English, Spanish, Vietnamese, and Hindi.

  • Health Insurance
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Stevens & Associates Insurance Agency, Inc.
3412 State Street, Milpitas, CA 93105
Yu Benefits & Insurance Services
1525 McCarthy Boulevard, Milpitas, CA 95035
Thang Vo
391 Jacklin Road, Milpitas, CA 95035


  • 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.

  • Can an individual have two health insurance policies in Milpitas?

    Yes. Having a secondary health insurance plan in Milpitas is both legal and possible, but you should know how primary and secondary insurance operates. While it may seem like more work at first, a second plan can cover some of your costs. Coordination of benefits between multiple insurance policies takes place to determine which plan pays first, reduce duplicate benefits, and improve claim processing efficiency, making managing your health insurance coverage easier and more efficient.

  • How can small businesses in Milpitas qualify for health insurance through Covered California?

    If you meet the following criteria, your small business in Milpitas may qualify for health insurance through Covered California:

    • You must have between one and 100 eligible employees and meet specific contribution and participation requirements.
    • You have an employee who receives a W-2.
    • Most of your eligible employees reside in California. If you have fewer than 100 full-time equivalent employees, you may also be eligible for the program. Lastly, if you are a sole proprietor and do not have any W-2 employees, you may obtain coverage through Covered California's individual marketplace instead.
  • How does Covered California for Small Business work for Milpitas business owners looking for a viable health insurance option?

    Covered California benefits Milpitas small businesses by:

    • Cutting healthcare costs and reducing administrative work, giving employees more health plan options.
    • Boosting employee satisfaction with the freedom to pick their preferred health plan and doctor network.
    • Offering multiple insurance and health plans and expanding access to various physicians and hospitals.
    • Providing a single monthly bill, even if you use multiple carriers.
    • Offering tax credits to eligible small businesses to help cover employee health insurance costs.
  • Can policyholders in Milpitas cancel their health insurance plans at anytime?

    Yes. However, Milpitas residents could still face fines for not having health insurance in accordance with state regulations. You may be obligated to pay upwards of $850 for each adult and $425 for each dependent child under the age of 18 unless you are exempt. To avoid paying a fine for not having health insurance, refrain from canceling a current policy until you have a new one with a workable start date for coverage. Similarly, while you can always cancel some health insurance policies, you can't always enroll whenever you want to.

  • What happens if a Milpitas individual's primary doctor is no longer in his health insurance plan's network?

    If your primary doctor in Milpitas is no longer in your health insurance network, you need to find a new hospital, healthcare provider, or physician. In certain situations, you may have the option to retain your doctor, medical group, or hospital temporarily. This is known as "continuity of care." However, only those with specific health issues or conditions are eligible for continuity of care. The hospital, medical organization, or doctor must also consent to continue treating you as a patient.

  • 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.