California Health Insurance Broker
California Health Insurance Made Simple
Personal guidance for Covered California, private health insurance, and Medicare.
Choosing health insurance can be confusing. FH Insurance Services helps California individuals and families compare their options, understand their coverage, and choose a plan that fits their needs and budget.
Based in Oceanside, CA | Serving clients throughout California
Our services are completely free to you.
Health Insurance Help for Every Stage of Life
Find the coverage that fits you.
Whether you’re buying health insurance on your own, navigating Covered California, or getting ready for Medicare, you don’t have to figure it out alone.
Private Health Insurance
Individual & Family Health Plans
Not everyone gets health insurance through an employer. We help individuals, families, self-employed professionals, business owners, and others compare private health insurance options.
We’ll look at plans from multiple insurance carriers and help you compare coverage, networks, costs, and benefits so you can choose with confidence.
We can help with:
- Individual and family health insurance
- Self-employed and business owners
- People without employer-sponsored coverage
- Comparing plans and insurance carriers
- Reviewing your current coverage
Covered California
Covered California Made Easier
Covered California can be complicated. We help you through the entire process—not just enrollment.
As your agent, we can help you understand your eligibility, apply for the correct financial assistance, compare plans, enroll in coverage, and continue servicing your account after enrollment.
Our Covered California support includes:
- Reviewing your household and income information
- Helping determine your potential premium assistance
- Comparing available plans
- Enrollment and application assistance
- Helping with account changes and updates
- Assisting with Covered California questions and issues
Best of all, our help is free to you.
Medicare
Turning 65? Let’s Make Medicare Easier.
Medicare comes with choices, deadlines, and terminology that can be difficult to navigate.
We help people approaching Medicare understand their options and compare plans based on their healthcare needs, doctors, prescriptions, budget, and preferences.
We can help you understand options including:
- Medicare Parts A, B, C, and D
- Medicare Advantage plans
- Medicare Supplement (Medigap) plans
- Prescription drug coverage
- Enrollment and plan comparisons
- Reviewing your coverage as your needs change
Our goal isn’t to overwhelm you with options. It’s to help you understand them so you can make an informed decision.
Why Work with FH Insurance Services?
Insurance guidance you can feel good about.
Health insurance is personal. You deserve someone who will take the time to understand your situation, explain your choices clearly, and help you find coverage that makes sense.
Compare Multiple Carriers
We work with multiple insurance companies, allowing us to compare available options instead of focusing on just one carrier.
Advice at No Cost to You
You do not pay us for our services. Insurance carriers pay us a commission, so our assistance is provided at no additional cost to you.
Personalized Insurance Guidance
There is no one-size-fits-all insurance plan. We take your healthcare needs, budget, doctors, prescriptions, and priorities into account.
Ongoing Insurance Support
Our relationship doesn’t end when your application is submitted. For Covered California clients especially, we continue to help with account questions, changes, and issues that come up after enrollment.
Knowledgeable. Honest. Professional.
Our clients appreciate our straightforward approach, attention to detail, and commitment to helping them understand their options before making a decision.
FOR COVERED CALIFORNIA CLIENTS & TAX PREPARERS
Need Help With a Covered California 1095-A?
Tax season can create questions when a client received health insurance through Covered California.
FH Insurance Services works with tax preparers and their clients to help locate and obtain the 1095-A Health Insurance Marketplace Statement needed to prepare their tax return.
If your office works with clients who have Covered California coverage, we can be a resource when questions about their health insurance or 1095-A come up.
Tax professionals: let’s make tax season easier for your clients.
Free Health Insurance Resources
Helpful information, without the insurance jargon.
Insurance questions don’t stop after enrollment. Our free resources are designed to help California consumers better understand Medicare, Covered California, health insurance, and important enrollment information.
Medi-Cal Resources
Learn about Med-Cal — California’s free or low-cost health coverage program for individuals and families with limited income.
Financial Aid Sources
Discover programs and resources to help you apply for financial assistance to cover health costs.
Insurance Blog
Read our latest guides and answers to common health insurance and Medicare questions.
ABOUT FH INSURANCE SERVICES
A local insurance broker with a personal approach.
FH Insurance Services is an independent health insurance brokerage based in Oceanside, California, serving individuals and families throughout the state.
We believe choosing insurance should be about understanding your options—not being pressured into a plan you don’t understand.
We take the time to answer your questions, explain the differences between plans, and help you make a decision that works for your healthcare needs and budget.
Whether you’re enrolling in Covered California, shopping for private health insurance, or preparing for Medicare, you’ll have a knowledgeable professional helping you through the process.
Personal service. Clear answers. No-cost assistance.
Warm Feedback from Our Clients
Real experiences from the people we’re here to serve.
We’re grateful to the individuals and families who take the time to share their experience with FH Insurance Services.
Ready to Find the Right Coverage
Let’s make health insurance simpler.
Tell us what you need help with, and we’ll walk you through your options—at no cost and with no obligation.
Serving individuals, families, and Medicare beneficiaries throughout California.
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Hablamos español.