Last updated:

Best Health Insurance Agencies in Richmond, 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 Richmond 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

715 14th Avenue, San Francisco, CA 94118
WebsiteLicense: 0G67804

Why choose this provider?

Auxilian Insurance Services assists individuals, families, and small businesses in Richmond. The company was established in 2009 by former company executives David Hansmann and Rick Goldfien. It was founded on the vision of helping mid-sized businesses craft a suitable benefits package that would retain employees. The team of agents at this firm also assists policyholders with acquiring health insurance and dental plans to address the financial risks they want to prepare for. Auxilian Insurance Services also offers HR support and administrative services.

  • Health Insurance

5359 Country View Drive, Richmond, CA 94803
WebsiteLicense: 0C05788 Rating

Review Sources

4.0 (3)

Why choose this provider?

Skyview Insurance Services is an independent company that provides services to businesses, families, and individuals in the Richmond metro and its nearby communities. It is a health insurance service provider that offers individual, group, dental, PPO, and HMO coverages. Additionally, the agency helps clients acquire Medigap and Medicare insurance plans. It works with multiple health insurance providers in creating customized coverages, including Humana, Aetna, Health Net, and Kaiser Permanente. Skyview Insurance Services has been in the business since 2005.

  • Life Insurance
  • Health Insurance

650 East Blithedale Avenue, Mill Valley, CA 94941
WebsiteLicense: 0659979 Rating

Why choose this provider?

Cesar Flores is a State Farm insurance agent serving residents and businesses in Richmond and Mill Valley. As a native San Franciscan, Cesar is familiar with the lifestyle demands of a typical Californian. He is knowledgeable in helping clients identify the most appropriate health insurance coverage for their needs. He also offers comprehensive individual medical coverage with options for additional policies, such as supplemental health insurance and Medicare supplement insurance. Cesar has been with State Farm since 1984 and specializes in needs analysis and relocations.

  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Auxilian Insurance Services
715 14th Avenue, San Francisco, CA 94118
Skyview Insurance Services
5359 Country View Drive, Richmond, CA 94803
Cesar Flores
650 East Blithedale Avenue, Mill Valley, CA 94941


  • 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 is the birthday rule for identifying which is the primary and secondary health insurance in Richmond for their child?

    Under the birthday rule, if one parent has a birthday in March and the other in October, the parent whose birthdate is in March will be considered a primary insurer. In rare circumstances where both parents share the same birthdate, the insurance plan with the longer coverage period will take precedence. Numerous health insurance companies within the city of Richmond incorporate the birthday rule as a means of coordinating benefits for dependants covered under their parents' individual policies.

  • Are weight-loss surgery expenses covered in health insurance in Richmond?

    Expenses for weight-loss surgery, known as bariatric surgery, may be covered by your Richmond health insurance if you are morbidly obese. For consideration, you must have a BMI over 40 or 35 alongside comorbidities, have a documented failure of losing weight through conservative regimens, have a detailed pre- and post-operative treatment plan, and have no medical or mental health issues that might deter you from undergoing the operation.

  • What tax implications does having health insurance in Richmond entail?

    Complete Form FTB 3853 to reliably determine if you have to pay a shared responsibility penalty, or you can file for an exemption from the state's mandated health coverage in Richmond on your next tax return. Form FTB 3853 can be accessed at the California Franchise Tax Board's website under the board's forms and publications page. Moreover, you may check out the exemptions processed by FTB and Covered California to see if you are exempt from such tax implications.

  • Will you have to report changes in your income to your health insurer in Richmond?

    Income changes, among other life-changing events, must be reported to your health insurer in Richmond. Some insurance providers require that the report be made within ten days. Disclosing such information will help you avoid repaying the advance premium tax credit payments you are ineligible for. Conversely, it may allow you to receive the credits when you file a tax return. To report changes, contact your insurer or access your digital account.

  • Does health insurance in Richmond carry on coverage for a second opinion?

    Second opinions are often covered by many Richmond health insurance. Verifying the specific policy terms with the agency before obtaining a second opinion is crucial to avoid unforeseen expenses or the possibility of denied coverage. Notably, some insurance companies may insist that you get a second opinion, especially if you are diagnosed with a unique disease or life-threatening illness.

  • 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.