Insurance
Health Insurance
Protect your health and your peace of mind with personalized health insurance built for California residents. Whether you're managing everyday care, planning for the unexpected, or exploring better coverage, we’ve got you covered - with local support you can trust.
Rated 4.9 out of 5
Based on 80+ reviews
Covers medical costs
Pays for doctor visits, hospital stays, prescriptions, and emergency care.
Goes beyond the basics
Includes preventive care, mental health services, and specialist visits.
Meets legal requirements
Complies with California’s individual mandate and healthcare laws.
Peace of mind
Feel confident knowing you and your family are protected.
Health Insurance made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the health insurance that truly fits your life. Whether you’re an individual seeking affordable coverage, a family looking to protect loved ones, or simply want better service and more clarity, we work with you to choose the right plan for your needs and budget. Health insurance protects you financially from the high cost of care, from routine checkups to medical emergencies. It’s not just about meeting state requirements, but about ensuring access to quality care when it matters most.
With access to top health insurance carriers, we compare plans, explain your options clearly, and guide you through the process step by step so you don’t have to figure it out alone. As your personal advisor, we make health insurance simple, transparent, and tailored to your life.
Built on trust. Backed by experience.
Here’s why people choose us for their health insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Health Insurance coverage
We make it easy to understand your coverage choices. Explore the coverage options that offer the right balance of care, cost, and confidence.
Find the right coverage at the right price
Get your free quote in minutesWhat is Health Insurance and how does it work?
Health insurance is a policy that helps cover your medical expenses, from routine checkups and lab work to surgery and hospital stays. You pay a monthly premium, and in return, your insurer helps pay for covered health services, sometimes after meeting a deductible.
Why having Health Insurance matters
Health insurance isn’t just a legal requirement in California - it’s a critical safety net. It protects you from overwhelming medical bills, gives you access to care when you need it, and provides essential preventive services to help you stay healthy.
What’s typically covered by Health Insurance?
Most health insurance policies include: preventive care (annual exams, vaccines), doctor and specialist visits, hospitalization and surgery, emergency care and urgent care, and prescription medications. You can also get coverage for mental health and substance use services and pediatric care and maternity (in family plans).
Optional coverages and special insurance options
Want extra peace of mind? Customize your plan with options like: Dental and vision coverage, critical illness or cancer plans, telehealth services, and health savings accounts (HSA-compatible plans). We also assist with short-term coverage, COBRA transitions, Medicare Advantage, so your insurance grows with your life.
How we help you choose the right Coverage
As your local broker, we listen first. We take the time to understand your health needs, budget, and concerns, then walk through your best options. Whether you’re new to insurance or switching plans, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Health Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step - with clarity, care, and no pressure.
No complicated formsFast, Personalized Quotes
Step 1
Get in touch
Contact us by phone, email, or online - we’re ready to help.
Step 2
Get tailored car insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped individuals and families find confidence in their coverage
Rated 4.9 out of 5 by real clients
Kwon Insurance services Are fantastic people ! from the front desk to the top. Their main concern is helping you find the right insurance for your needs. We will always recommend kwon Insurance services to friends, family and business owners. Keep up the great work and thank you for all your help.
Larry Leonard
recently
Did a great job of car insurance
Tony Thompson
recently
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
recently
Karson you did a great job find a great ins.co. thanks for your help.
KULDIP DHESI
4 months ago
Florian Mueller
4 months ago
Professional, responsive, customer first mentality. Excellent insurance coordinator!
Martin Ho
5 months ago
Karson Kwan and Kwan insurance services took care of my needs quickly, efficiently and at a great price! Can’t say enough good things about them. We are moving from out of state and reached out initially to one of the national companies we used in the past. They gave us the complete runaround. We needed something quickly and so I reached out to Kwan Insurance when they were suggested to me locally. They took care of us right away with no hassle! I love their app and how easy it is to get ahold of them whenever you need something. I love supporting a family company who really knows what they are doing! 10/10!!
Angie Roberts Selzer
1 month ago
Karson Kwan was extremely professional in helping to determine the most comprehensive and affordable insurance package tailored for my specific needs. He was very responsive and I felt like a valued client throughout our whole correspondence. I can wholeheartedly recommend Kwan Insurance if you want to ensure that you are getting the best coverage available, and at the best rates too!
Derrek Chu
5 months ago
I recently looked for homeowner insurance for a condo and used Kwan Insurance Services. The process was smooth: I submitted an application, and the agent Karson emailed the next day with four quotes from different providers and helpful recommendations on which to choose. I had a great experience and would recommend Kwan Insurance Services to anyone seeking insurance. They also offer auto insurance, and I’m considering switching my auto policy there.
Jason Wong
1 month ago
My husband and I are first-time homebuyers, and we worked with Karson for our homeowners insurance. I wasn’t familiar with townhome insurance options at all, and Karson took the time to sit on the phone with me and walk through every line of the policy, making sure I fully understood what we were getting and he knew the answers to all of my questions. He was patient, thorough, and focused on finding us the best coverage at the best price.
Not only is Karson extremely knowledgeable, but he was also very honest throughout the entire process. He never tried to oversell us or push anything we didn’t need, he provided us with a straightforward, trustworthy guidance. I highly recommend Karson for any and all your insurance needs.
Olivia Fawley
6 months ago
FAQ
Common health insurance questions asked by clients
Get quick answers to the questions we hear most - from coverage basics to claims and costs.
Can I switch my current car insurance to Kwan Insurance?
Yes! We’ll help you review your current policy, compare it with better options, and guide you through making the change smoothly.
Do I qualify for subsidy through Covered California?
Possibly. We’ll help you check your eligibility and enroll in a subsidized plan if you qualify.
What information do I need to get a quote?
Your age, ZIP code, household size, and income help us find the best options.
Do you offer help for self-employed or part-time workers?
Absolutely, we specialize in individual plans that fit all lifestyles.
What happens if I need to file a claim, do I contact Kwan or the insurance company?
You’ll contact the insurance company directly, but we’re always here if you need along the way.
Coverage made simple
Helping Local Families Stay Covered and Cared For
- Rated 4.8 out of 5 stars
- 30+ years of expertise
