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Best Health Insurance Agencies in Torrance, CA

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 Torrance 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.

2798Reviewed

1683Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1311 Crenshaw Boulevard, Torrance, CA 90501
Website

Expertise.com Rating

Review Sources

Google
4.0 (16)

Why choose this provider?

Covered California Enrollment Center Torrance is a team of insurance professionals servicing residents of Torrance and its neighboring areas. Its team offers health insurance products to individuals and groups, including dental, Medicare Supplements, and Medicare Advantage plans. Its team caters to clients who are in need of term life insurance. Covered California Enrollment Center is affiliated with other insurance carriers like Oscar Health Plan and Health Net, ensuring its clients a variety of coverage options to meet their needs.

  • Individual Plans

373 Van Ness Avenue, Torrance, CA 90501
WebsiteLicense: 0175794

Expertise.com Rating

Review Sources

Yelp
4.0 (10)

Why choose this provider?

Headquartered in Torrance, FIA Insurance Services, Inc., serves individuals, families, and local businesses in the community of their insurance needs. It carries health insurance plans like individual & family health insurance, group health, dental insurance, and Medicare supplement plans. Moreover, it provides commercial insurance packages like general liability insurance. FIA Insurance was established in 1996 when Funakoshi Insurance Agency, founded by Willie M. Funakoshi in 1948, and Ito Insurance Agency, founded by Tom T. Ito in 1946, merged.

  • Individual Plans
  • Life Insurance

18411 Crenshaw Boulevard, Torrance, CA 90504
WebsiteLicense: 0M68119

Expertise.com Rating

Review Sources

Yelp
5.0 (16)
Google
5.0 (15)

Why choose this provider?

Skypark Benefits Insurance Services is a Torrance-based agency helping clients find the right health insurance coverage. Its agents guide individuals and families through the process of comparing and selecting health insurance premiums. The company also has access to various insurers in the metro and offers services related to individual and family health insurance, Medicare plans, life insurance, and long-term care insurance. It strives to simplify the insurance process and procure strategies to meet each client's unique needs and budget.

  • Individual Plans
  • Group Plans
  • Life Insurance

17314 Crenshaw Boulevard, Torrance, CA 90504
WebsiteLicense: 0N03429

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
4.0 (15)

Why choose this provider?

Altima Insurance is a health insurance agency serving clients in Torrance and its surrounding areas. The firm offers a wide range of products, such as indemnity health plans, high-deductible health plans, Medicare, and Medicaid. Other insurance packages are available, including insurance for homeowners, renters, businesses, and vehicles. Altima Insurance has been providing its services to individuals and commercial customers since 1984. As an independent company, it represents various insurance carriers throughout California.

  • Individual Plans
  • Life Insurance

2340 Plaza del Amo, Torrance, CA 90501
WebsiteLicense: 0D80801

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (1)

Why choose this provider?

MCD Insurance serves businesses, families, and individuals in the Southern California region, including Torrance. The agency was founded in 1987 and operates through the Farmers Insurance Group. It offers HMO and PPO health insurance plans from major carriers such as Aetna, Cigna, Health Net, and UnitedHealthcare. Clients also have options for disability insurance, long-term care coverage, and dental plans. Furthermore, MCD Insurance can assist clients with high-deductible health plans in opening a health savings account through HSA Bank.

  • Individual Plans
  • Life Insurance

3480 Torrance Boulevard, Torrance, CA 90503
WebsiteLicense: 0F97707

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

inAssist Health Management Solutions is an integrated health management company that provides health insurance solutions for Torrance employers who are looking to shop for employee benefits. It specializes in providing personalized service for each employee through personal healthcare advising. Its aim is to help employers offer the right benefits to their staff. inAssist also works with Ceridian, Datafaction, LifeLock, and ADP as its major partners. Its experience in health insurance and medical claims adjudication extends as far back as 1955.

  • Individual Plans
  • Group Plans

18004 Sky Park Circle, Irvine, CA 92614
WebsiteLicense: 0564249

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Heffernan Insurance Brokers is a health insurance agency that protects clients' valuable assets with its health insurance and Medicare coverage. It has been serving Torrance since 1988. It has other personal programs such as life, short-term travel plans, and wealth management. Company CEO Mike Heffernan leads the company', which has grown to include 450 employees and several offices nationwide. He was named the Most Admired CEO by the San Francisco Business Times in 2011.

  • Life Insurance

6148 South Pacific Coast Highway, Redondo Beach, CA 90277
WebsiteLicense: 0D50836

Expertise.com Rating

Review Sources

Yelp
5.0 (70)
Google
4.0 (7)

Why choose this provider?

Shop 4 Health Plans has been providing health insurance products to individuals, families, and businesses in Torrance since 2000. The insurance broker works with insurance companies through the private market and Covered California health insurance marketplace. Its insurance products include ACA health plans, health sharing plans, short-term health plans, and group health plans. To simplify the process of choosing health insurance, Shop 4 Health Plans uses screen share to present to clients their list of insurance options.

  • Individual Plans
  • Group Plans
  • Life Insurance

3868 West Carson Street, Torrance, CA 90503

Expertise.com Rating

Review Sources

Yelp
5.0 (5)

Why choose this provider?

Covered HB is an insurance broker that serves clients in Torrance and the surrounding areas. Its team helps clients find and compare life insurance and health care plans and rates. It offers different types of health insurance coverage plans for individuals, families, children, and seniors. It also provides insurance coverage for dental and vision, homes, properties, automobiles, recreational vehicles, and cybersecurity. Covered HB has been helping customers with their insurance needs for more than a decade.

  • Life Insurance

2356 Torrance Boulevard, Torrance, CA 90501
WebsiteLicense: 0551220

Expertise.com Rating

Review Sources

Google
5.0 (33)
Yelp
4.0 (14)
Facebook
5.0 (4)

Why choose this provider?

Post Insurance Services, Inc., is an insurance broker in Torrance, providing multiple insurance packages for more than 60 years. It works with varied companies to offer insurance packages that fit its client's needs. It specializes in providing group medical insurance for employers looking to offer the right health benefits for their employees. Additionally, its employee benefits insurance encompasses individual life insurance, disability, and voluntary benefits insurance. Post Insurance Services, Inc., also offers comprehensive commercial and personal insurance plans.

  • Individual Plans
  • Group Plans
  • Life Insurance

21061 South Western Avenue, Torrance, CA 90501
WebsiteLicense: 0548256

Expertise.com Rating

Review Sources

Google
4.7 (12)
Yelp
3.5 (6)
Facebook
5.0 (1)

Why choose this provider?

Stan Burns Insurance is a Long Beach-based insurance agency that also serves surrounding areas, including Torrance. Specializing in both personal and commercial lines, the agency offers various types of policies from major carriers, such as Safeco Insurance, The Hartford, Mercury Insurance, and Liberty Manual. Its health insurance plans include individual and family plans and group health plans with PPO, HMO, and HSA options. These specifically cater to self-employed individuals and small business owners.

  • Group Plans
  • Life Insurance

22850 Crenshaw Boulevard, Torrance, CA 90505
WebsiteLicense: 0G47857

Expertise.com Rating

Review Sources

Facebook
4.0 (4)

Why choose this provider?

Torrance-based insurance agency, Dave Terpening Insurance Agency, Inc., has served the insurance needs of residents of Torrance and surrounding communities for over 30 years. It is associated with several insurance carriers, allowing it to offer a variety of individual and business insurance packages. It carries health insurance plans like small business health insurance, personal health plans, and individual & family health insurance. Additionally, it provides commercial insurance packages like business liability insurance, cyber coverage, EPLI, business umbrella insurance, and workers’ compensation.

  • Individual Plans
  • Group Plans
  • Life Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Covered California Enrollment Center Torrance
1311 Crenshaw Boulevard, Torrance, CA 90501
FIA Insurance Services Inc
373 Van Ness Avenue, Torrance, CA 90501
Skypark Benefits Insurance Services
18411 Crenshaw Boulevard, Torrance, CA 90504
Altima Insurance
17314 Crenshaw Boulevard, Torrance, CA 90504
MCD Insurance
2340 Plaza del Amo, Torrance, CA 90501
inAssist Health Management Solutions
3480 Torrance Boulevard, Torrance, CA 90503
Heffernan Insurance Brokers
18004 Sky Park Circle, Irvine, CA 92614
Shop 4 Health Plans
6148 South Pacific Coast Highway, Redondo Beach, CA 90277
Covered HB
3868 West Carson Street, Torrance, CA 90503
Post Insurance Services, Inc.
2356 Torrance Boulevard, Torrance, CA 90501
Stan Burns Insurance
21061 South Western Avenue, Torrance, CA 90501
Terpening Insurance Agency
22850 Crenshaw Boulevard, Torrance, CA 90505

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.

  • Are you still covered by your parent's health insurance in Torrance if you get married?

    Unless you turn 26 years old, you can still be covered under your parent's health insurance in Torrance even if you get married. The same applies even if you start school, live away from home, and are not declared as tax-dependent by your parents. Age is the only deadline in this case.

  • How can one in Torrance not qualify for the Health Insurance Premium Payment program?

    An individual in Torrance cannot qualify for the Health Insurance Premium Payment program if they are enrolled in or eligible for the following:

    • Medi-Cal Managed Care.
    • Medicare.
    • TRI-CARE or CHAMPUS. Anyone who is transitioning from HIPP to Medi-Cal Managed Care and would like to know more information on the process can send an email to HIPP@dhcs.ca.gov or fax at (916) 440-5676.
  • Can you buy short-term health insurance in Torrance?

    Not really. Short-term health insurance is not allowed in Torrance and throughout California. This is because these plans do not meet state requirements such as the inclusion of essential health benefits under the Affordable Care Act and coverage of pre-existing conditions. Depending on your reason for getting short-term health insurance, there are other options. Some would be applying for Medi-cal, purchasing a plan from Covered California, and filing for COBRA coverage.

  • How much does health insurance cost in Torrance?

    According to some insurance providers, health insurance in California can average around $400 in monthly premiums for a major individual plan. A 2022 report from the Office of the Governor states that some low-income Californians can get comprehensive health plans for as little as $10 a month. However, the actual cost depends on factors such as age, gender, and zip code in Torrance.

  • What are some of the main differences in Torrance health plans purchased through the Covered California insurance marketplace?

    Health plans that can be purchased through the Covered California insurance marketplace are usually differentiated into "metal tiers," indicating the level of coverage. The monthly payment increases higher up into the metal tier, but the out-of-pocket payment costs required before a medical service can be obtained get lower. This means that plans in the lower metal tiers require lower monthly payment amounts but may cost the insured in Torrance more upfront payment once they obtain a medical service.

  • 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.