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David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
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Gilroy, California - Serving California Residents Since 1995  California License 0B58920
David Fluker    California Health Insurance
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Welcome and thank you for visiting.  I am an Independent California Life & Health Insurance Agent.  I work with the top insurance companies to help you find the best insurance coverage at an affordable price.  I am a Covered CA Certified Agent with over 20 years experience in the health insurance industry.  There is no fee or cost to you for my services.  Agents are paid by the insurance companies.  Your premium will be exactly the same as buying directly from the insurance company or marketplace.
2018 California ACA Open Enrollment Period 11/1/17-1/31/18
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Anthem   Blue Shield   Kaiser   Valley Health   Health Net   GeoBlue Global
Medicare Supplement plans provide coverage for the gaps in Orignial Medicare.  We feature Medicare Supplement plans from top-rated California insurance companies including Plan D, F, G & N.  Discounts may be available so check with me to see if you qualify.  Some insurers offer SilverSneakers (R) at no additional cost to you.
Covered CA is the California State Marketplace.  Health Insurers provide health plans to the marketplace for those who are eligible for premium tax subsidies and cost-sharing reduction subsidies.  Covered CA is also the primary source for enrollments in Medi-Cal (California Medicaid).  As a Certified Agent, I can assist you with setting up your account and enrolling on Covered CA. 
Individual & Family health insurance plans are available in the private market (off exchange) for those who do not qualify for subsidies or choose not to purchase health insurance from Covered CA.  These health plans generally mirror plans sold in the marketplace.  Premiums, metal tiers and benefits are equal to the mirror plan on Covered CA.  Some insurers may offer additional compliant health plans only in the private market.
Small Employer Group Benefits
Small Employer Group Plans are available for year-round enrollment.  Benefit choices include health, dental, vision, and life.  Plans are available from Anthem Blue Cross, Kaiser Permanente, Aetna and Health Net.  Small Group health plans offer much broader provider networks and drug formularies than individual & family health insurance under the ACA.
International Travel Medical Plans are available year round for visitors to California, Students and California personal or business travelers going overseas.  Short- and long-term options are available as well as employer group coverage.  Plans available from GeoBlue Global, HTH Worldwide, Atlas Travel and Petersen International   (IMGlobal coming soon).
The future of the ACA/ObamaCare is now in question with the Trump administration.  Indications are that the House and Senate may work quickly to repeal and replace the ACA with a new health insurance system.    How soon they may roll out a replacement is anyone's guess at this point.  Stay tuned and be sure to visit my Facebook page for updates on TrumpCare as well as updates and information on our BLOG.
Covered California Extends 2018 Annual Open Enrollment Period

In a short Twitter exchange this morning (8/10), I was informed by Covered CA that the California enrollment period will run from 11/1/17 - 1/31/18, the full 3 months!  States under the Federal Marketplace (FFM) currently will only have the 45-day window closing on 12/15/17.  This is great news for California residents, espcially those on Anthem Blue Cross plans who will be forced to find new coverage for 2018.  This extension was officially announced on 8/18 in an agent alert e-mail from Covered CA.
Anthem Blue Cross Leaving Most California Rating Areas for 2018

Anthem Blue Cross has announced that they will not be selling any individual & family health insurance coverage in 16 of the 19 California rating areas in 2018.  This includes both Covered CA and Off-Exchange markets.   Those with Anthem individual & family health plans in affected rating areas will not be able to renew coverage with Anthem for 2018.  Plans will be available in certain rating areas including Northern Counties, Stockton area and Santa Clara County.  Those on Covered CA Anthem plans will be automatically migrated to the lowest cost same tier health plan if no renewal action is taken.  This action does not apply to Grandfathered Plans, Small Group Plans nor Medicare Supplement/Medicare Advantage plans.
Blue Shield Increases "New To Medicare" Supplement Discount

Beginning August 1, 2017, Blue Shield of California has increased the New To Medicare monthly discount on Supplement Plans A, C, D & F.  The new discount is $25 per month for the first twelve months.  This discount applies to Medicare beneficiaries 65 and older who are enrolling in Part B for the first time. 
Covered CA 2018 Rate Increase Average 12.5% Depending On CSR Subsidy

Covered CA has announced a 12.5% average rate increase for 2018.  Variations will occur depending on age and rating area.  An additional 12%+ may be added if the CSR (cost sharing subsidy) is not paid to the insurance companies by the Trump Administration. 
Cigna To Leave California Individual & Family Health Market

Cigna has notified agents and subscribers that the carrier intends to terminate individual & family health insurance in California.  Plans will expire on 12/31/17 and will not be available for renewal nor purchase in 2018. 
Enrollment Periods & Special Enrollment

2017 ACA/ObamaCare Open Enrollment will be ending on January 31st for individual & family plans.  Enrollments after that will need to be done under the Special Enrollment Period (SEP) criteria for Qualifying Life Events.   This is similar to the old HIPAA enrollments but, of course, with more options.

Most common SEP qualifying events include: Loss of Employer Coverage, End of COBRA or Cal-COBRA, Separation from Military Service, Marriage and Birth or Adoption of a child.  There are other SEP events as well which may allow you to enroll outside of Open Enrollment.


The complementary instant online quoting service provides instant online quotes from multiple insurance companies for Medicare Supplement Plans as well as Individual & Family coverage.  All information entered for instant quotes is only seen by me and is never shared, sold or provided to any third party for any reason.  I also have instant online quoting for short-term interim health coverage, international travel medical health coverage, and dental & vision plans

I hope that you find my web site helpful, useful and able to meet your needs in terms of information.  I look forward to hearing from you and helping you find the right health insurance coverage plan to meet your needs. 

Thank you for visiting and let me know if you have any comments or suggestions on how to improve my site.
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