Acton Adelanto Adin Agoura Hills Agua Dulce Ahwahnee Alameda Alamo Albany Albion Alhambra Aliso Viejo Alpine Altadena Alturas Alum Rock Alviso Amador City Amboy American Canyon Anaheim Hills Anaheim Anderson Angels Camp Angelus Oaks Angwin Antioch Apple Hill Apple Valley Applegate Aptos Arcadia Arcata Armona Arnold Arrowbear Lake Arroyo Grande Artesia Arvin Atascadero Atherton Atwater Auburn Avalon Avenal Avery Avila Beach Azusa Badger Baker Bakersfield Baldwin Park Ballard Banning Barstow Bass Lake Bear Valley Beaumont Belden Bell Bell Gardens Bellflower Belmont Belmont Shore Belvedere Ben Lomond Benicia Berkeley Bermuda Dunes Bethel Island Beverly Hills Bieber Big Bar Big Bear Lake Big Pine Big Sur Biggs Bishop Blairsden Bloomington Blue Jay Blue Lake Blythe Bodega Bodega Bay Bolinas Bonita Bonny Doon Bonsall Bootjack Boron Borrego Springs Boulder Creek Boulevard Bradbury Brawley Brea Brentwood Brentwood, Los Angeles Bridgeport Brisbane Broadmoor Broderick Brookdale Brownsville Buck Meadows Buellton Buena Park Burbank Burlingame Burney Buttonwillow Cabazon Calabasas Calexico Caliente California City California Valley Calimesa Calipatria Calistoga Calpine Camarillo Cambria Cambrian Park Camino Campbell Campo Canby Canoga Park Canyon Country Canyon Lake Canyondam Capistrano Beach Capitola Cardiff-by-the-Sea Carlsbad Carmel Valley Village Carmel-by-the-Sea Carmichael Carnelian Bay Carpinteria Carson Casmalia Cassel Castaic Castro Valley Castroville Cathedral City Catheys Valley Cayucos Cazadero Cedarville Central Valley Ceres Cerritos Chatsworth Chester Chicago Park Chico Chinese Camp Chino Chino Hills Chowchilla Chula Vista Citrus Heights Claremont Clayton Clearlake Clearlake Oaks Clio Cloverdale Clovis Coachella Coalinga Coarsegold Cobb Coleville Colfax Colma Coloma Colton Columbia Colusa Commerce Compton Concord Cool Corcoran Corning Corona Corona del Mar Coronado Corte Madera Costa Mesa Cotati Coto de Caza Cottonwood Coulterville Covelo Covina Crescent City Crescent Mills Crestline Cromberg Crowley Lake Cudahy Culver City Cupertino Cuyama Cypress Daly City Dana Point Danville Dardanelle Davenport Davis Death Valley Del Mar Del Rey Oaks Delano Desert Hot Springs Diamond Bar Dinuba Dixon Dorris Dos Palos Douglas City Downey Downieville Doyle Drytown Duarte Dublin Duncans Mills Dunlap Dunnigan Dunsmuir Earp East Los Angeles East Palo Alto Eastvale El Cajon El Centro El Cerrito El Cerrito, San Diego El Dorado Hills El Granada El Monte El Portal El Segundo Elk Elk Grove Emeryville Emigrant Gap Encinitas Encino Escalon Escondido Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Fawnskin Felton Ferndale Fields Landing Fillmore Firebaugh Fish Camp Florence-Graham Folsom Fontana Foresta Foresthill Fort Bidwell Fort Bragg Fort Jones Fortuna Foster City Fountain Valley Fowler Frazier Park Freestone Fremont Fresno Fullerton Galt Garberville Garden Grove Garden Valley Gardena Gasquet Gazelle Georgetown Geyserville Gilroy Glassel Park Glendale Glendora Glenhaven Goleta Gonzales Gorman Graeagle Granada Hills Grand Terrace Grass Valley Green Leaf Greenfield Greenville Gridley Groveland Grover Beach Guadalupe Gualala Guerneville Gustine Hacienda Heights Halcyon Half Moon Bay Hanford Happy Camp Harbor City Hardwick Harmony Hat Creek Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Helena Helendale Hemet Hercules Hermosa Beach Hesperia Hidden Hills Highland Highland Park Hillsborough Hollister Hollywood Holtville Home Garden Homeland Homewood Hoopa Hope Ranch Hope Valley Hopland Hornitos Horse Creek Hughson Humboldt Huntington Beach Huntington Park Huron Hydesville Idyllwild Imperial Imperial Beach Independence Indian Wells Indio Inglewood Inverness Inyokern Ione Irvine Irwindale Isla Vista Isleton Jackson Jacumba Jamestown Jenner Johannesburg Joshua Tree Julian Junction City June Lake Kelseyville Kentfield Kenwood Kerman Kernville Kettleman City Keyes King City Kings Beach Kings Canyon National Park Kingsburg Kirkwood Klamath Klamath River Kyburz La Cañada Flintridge La Crescenta La Habra La Habra Heights La Honda La Jolla La Mesa La Mirada La Palma La Puente La Quinta La Selva Beach La Verne Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Almanor Lake Arrowhead Lake Elizabeth Lake Elsinore Lake Forest Lake Hughes Lake Isabella Lake Los Angeles Lakehead Lakeport Lakeshore Lakewood Lancaster Landers Larkspur Lathrop Lawndale Laytonville Lebec Lee Vining Leucadia Leggett Lemon Cove Lemon Grove Lemoore Lennox Leona Valley Lewiston Lincoln Linda Mar Lindsay Littleriver Littlerock Live Oak Livermore Livingston Llano Lodi Loma Linda Loma Mar Lomita Lompoc Lone Pine Long Barn Long Beach Loomis Los Alamitos Los Alamos Los Altos Los Altos Hills Los Angeles Los Banos Los Gatos Los Olivos Los Osos Lotus Loyalton Lucerne Lucerne Valley Ludlow Lynwood Madera Malibu Mammoth Lakes Manchester Manhattan Beach Manteca Maricopa Marina Marina del Rey Mariposa Markleeville Martinez Marysville Maywood McClellan AFB McCloud McFarland McKinleyville McKittrick Meadow Valley Meadow Vista Mendocino Mendota Menifee Menlo Park Merced Mi-Wuk Village Middletown Midpines Mill Creek Mill Valley Millbrae Milpitas Mineral Miramonte Miranda Mission Viejo Modesto Mojave Mokelumne Hill Monrovia Montague Montara Montclair Monte Rio Monte Sereno Montebello Montecito Monterey Monterey Park Moorpark Moraga Moreno Valley Morgan Hill Morro Bay Moss Beach Mount Shasta Mountain Mesa Mountain View Mt Baldy Murphys Murrieta Myers Flat Napa National City Natomas Needles Nevada City New Cuyama Newark Newbury Park Newhall Newman Newport Beach Nice Niland Nipomo Norco North Edwards North Fork North Highlands North Hollywood Northridge Norwalk Novato Oak View Oakdale Oakhurst Oakland Oakley Occidental Oceanside Ocotillo Ojai Olancha Old Station Olema Olivenhain Olympic Valley Ontario Orange Orange Cove Orangevale Orcutt Orick Orinda Orland Orleans Orosi Oroville Oxnard Pacific Grove Pacifica Pacoima Palm Desert Palm Springs Palmdale Palo Alto Palos Verdes Estates Panorama City Paradise Paramount Parker Dam Parlier Pasadena Paso Robles (el Paso de Robles) Patterson Pearblossom Pebble Beach Perris Pescadero Petaluma Petrolia Phelan Phillipsville Philo Pico Rivera Piedmont Piercy Pilot Hill Pine Grove Pine Valley Pinecrest Pinedale Pinole Pioneer Pioneertown Piru Pismo Beach Pittsburg Pixley Placentia Placerville Platina Playa del Rey Pleasant Hill Pleasanton Plymouth Point Arena Point Reyes Station Pollock Pines Pomona Port Costa Port Hueneme Porterville Portola Portola Valley Poway Princeton by the Sea Project City Quartz Hill Ramona Rancho Bernardo Rancho Cordova Rancho Cucamonga Rancho Mirage Rancho Palos Verdes Rancho Santa Fe Rancho Santa Margarita Randsburg Ravendale Red Bluff Redcrest Redding Redlands Redondo Beach Redway Redwood City Redwood Estates Redwood Shores Reedley Reseda Rialto Richmond Ridgecrest Rio Dell Rio Vista Ripon Riverbank Riverside Rocklin Rohnert Park Rolling Hills Rolling Hills Estates Rosamond Rosemead Roseville Ross Rough and Ready Round Mountain Rowland Heights Running Springs Rutherford Ryde Sacramento Salida Salinas San Andreas San Anselmo San Bernardino San Bruno San Carlos San Clemente San Diego San Dimas San Fernando San Francisco San Gabriel San Jacinto San Joaquin San Jose San Juan Bautista San Juan Capistrano San Leandro San Luis Obispo San Marcos San Marino San Martin San Mateo San Miguel San Pablo San Pedro San Rafael San Ramon San Simeon San Ysidro Sand City Sanger Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Fe Springs Santa Maria Santa Monica Santa Paula Santa Rosa Santa Ynez Santa Ysabel Santee Saratoga Saugus Sausalito Scotia Scotts Valley Seal Beach Seaside Sebastopol Selma Sepulveda Shafter Shasta Lake Shaver Lake Shell Beach Sherman Oaks Shoshone Sierra City Sierra Madre Sierraville Signal Hill Silverado Simi Valley Sky Londa Smith River Soda Springs Solana Beach Soledad Solvang Sonoma Sonora South El Monte South Gate South Laguna South Lake Tahoe South Pasadena South San Francisco South San Jose Hills South Whittier Springville Squaw Valley St. Helena Stanton tinson Beach Stirling City Stockton Stratford Strawberry Strawberry Valley Stronghold Studio City Sugarloaf Suisun City Sultana Summerland Sun City Sun Valley Sunland Sunnyvale Sunset Beach Susanville Sutter Creek Sylmar Taft Tahoe City Tahoe Vista Tahoma Tarzana Tecate Tecopa Tehachapi Tehama Temecula Temple City Templeton The Sea Ranch Thermal Thousand Oaks Thousand Palms Three Rivers Tiburon Tomales Torrance Trabuco Canyon Tracy Trinidad Trinity Center Trona Truckee Tujunga Tulare Tulelake Turlock Tustin Twain Twain Harte Twentynine Palms Twin Bridges Twin Peaks Two Harbors Ukiah Union City Upland Upper Lake Vacaville Valencia Vallejo Valley Center Valley Ford Valley Springs Valyermo Van Nuys Venice Ventura Vernon Victorville Villa Park Visalia Vista Volcano Wallows Walnut Walnut Creek Walnut Grove Warner Springs Wasco Washington Waterford Watsonville Wawona Weaverville Weed Weimar Weott West Covina West Hollywood West Sacramento Westlake Village Westminster Westmorland Westport Westwood Wheatland Whitethorn Whittier Williams Willits Willow Creek Willows Wilmington Windsor Winterhaven Winters Wofford Heights Woodlake Woodland Woodland Hills Woodside Wrightwood Yermo Yorba Linda Yosemite National Park Yountville Yreka Yuba City Yucaipa Yucca Valley Zamora Zenia
David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999-2017 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Health Insurance Plans for California Individuals & Families Off-Exchange
We offer individual & family health insurance in the private market (off-exchange) and on the exchange/marketplace
(Covered California). For Covered CA information, click here Stay tuned for changes coming under the new Trump Administration.
Health plans beginning in 2014 will have to comply with the Affordable Care Act (ObamaCare). Some carriers will offer plans inside of the Covered California Health Benefits Exchange and duplicate them (as required by the law) in the private market. Other carriers may, if they choose, offer those same choices plus plans specifically designed for the private market only. Carriers are free to offer plans in the private market not offered on the exchange so long as those plans comply with ObamaCare standards. Anthem Blue Cross, Blue Shield of California and Health Net all offer Bronze and Silver tier plans off-exchange that they do not offer on Covered CA.
Health plans in either market may only be sold during Open Enrollment Periods except for certain situations that create a Special Enrollment Period during the year. As such, once the annual open enrollment period closes, you may not purchase individual & family health insurance until the next unless you experience a Qualifying Life Event.
QLE (Qualifying Life Event)/SEP (Special Election Period) List for enrollment outside of Annual Open Enrollment Period (OEP). QLE/SEP Applies to both the Exchange and Private Market.
Anthem Blue Cross will offer primarily EPO and HMO plans in selected areas of California for 2018. Most of California will not have an option to purchase coverage from Anthem Blue Cross in 2018.
Blue Shield of California will offer state-wide PPO coverage as well as HMO in selected areas. This will be the only state-wide PPO.
Kaiser Permanente will continue to offer its HMO plans in most, but not all, areas of California. They are expanding into new areas for 2017 and beyond.
Valley Health Plan will offer all tier levels HMO for 2017 in Santa Clara County. Their plans are available on and off exchange.
Health Net of California will offer primarily EPO, HSP and HMO coverage plans to most of California. PPO is be available in select areas of northern & central California.
Western Health Advantage is a regional HMO providing coverage in the greater Sacramento area.
Petersen short-term health plans for up to three months for interim needs. These plans are subject to underwriting and do not meet Obamacare MEC standards. Petersen International short term coverage can be repurchased every three months. Petersen now offers a pre-existing condition lock-in date for up to 3 enrollments. Call or e-mail for details
Accident-Only Major Medical Coverage is available year round and is not limited to the 3 month restrictions placed on short-term health. This plan covers accidents and not illnesses.
Individual & Family Health Insurance Plans are now required to fully comply with ObamaCare standards in order to be deemed as "qualfied" health plans. Maintaining a qualified health plan eliminates the tax penalty for non-compliance. In 2016 the penalty rises to 2.5% of AGI for failure to maintain a qualified health plan.
HMO - requires PCP (Primary Care Physician) as gatekeeper for care
HSP - similar to an HMO but allows freer access to network providers (self-refer)
EPO - choose any doctor on the list no out of network benefits tiered benefit levels
PPO - choose any doctor on the list for in network services, has out of network benefits at lower level for certain services
All qualified health plans must meet minimum essential benefits as established by ObamaCare (Affordable Care Act) and must comply with a metal tier. Metal tiers are:
Catastrophic - must be under 30 years of age to purchase. If over 30, must demonstrate that no "affordable" health coverage is available in the higher tiers on or off exchange
Bronze - Approximately 60% Actuarial Value coverage and generally the lowest premium plans with highest deductible
Silver - Approximately 70% Actuarial Value coverage and feature lower deductible
Silver (Enhanced) - Approximately 70% Actuarial Value coverage with both Advanced Premium Tax Credit and Cost Sharing Reduction available (on-exchange only)
Gold - Approximately 80% Actuarial Value coverage and have no medical deductible
Platinum - Approximately 90% Actuarial Value coverage and have no medical deductible and lower annual out of pocket maximum
Gilroy, California - Serving California Residents Since 1995 California License 0B58920
This web site is owned and maintained by David Fluker Insurance Services, which is solely responsible for it's content. The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content. The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker Insurance Services and cannot be used to contact Covered California.
Outside of Open Enrollment when there is no Qualifying Life Event, we offer Short-Term Health as well as Accident-Only Major Medical coverage available year round.
David Fluker California Health Insurance