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 50+ 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
5 stars service. Karson is a very nice person and good advisor. He is a very helpful person. He helped me find a good package for my car insurance. The monthly premiums for my car insurance were lower, but the coverage was much better. Highly recommend.
Francis Yuen
2 months ago
Karson helped me renew my home and auto policies in a bundle that expanded my coverage without increasing my rates. He gave me honest recommendations based on my needs, was very responsive over email, and had a streamlined system for signing and payment. I would 100% recommend to anyone in California or Oregon!
Sienna Ringgenberg
2 months ago
Great service! They are very attentive and able to find the correct insurance that fit my needs. Victor is a funny guy. He'll make sure you're satisfied.
Hong Kwan
2 months ago
Mr. Kwan is trustworthy. He never makes empty promise.
George Wong
6 months ago
Kwan Insurance removed stress out of sorting through insurance quotes after an out-of-state move. They compared quotes and even checked with my existing out-of-state insurer if they could transfer my policy. Karson was responsive, friendly, and advocated for my best interest by letting me know additional ways to bundle and save money. I strongly recommend Kwan for your insurance needs.
Andrew Collins
6 months ago
Great service by Victor and Karson, covering all my insurance needs!
Curtis Liew
2 months ago
It's hard to get a new homeowners insurance policy in California now as all big insurance companies have stopped giving new policies, considering California is at high risk of wildfires. Karson was amazing to get me an affordable homeowners insurance policy within the same day.
Ajay Soni
6 months ago
"Recently switched my auto insurance and Karson helped me with getting the best rate! I saved about $700 switching to his services. It was fast and hassle free. Karson wasn’t pushy and was really patient when I was shopping around for auto insurance. He was very communicative and have responds quickly. Would recommend him and his team!"
Azaian Cagalingan
3 months ago
I had a truly great experience working with Karson. He was incredibly knowledgeable and took the time to explain everything clearly, patiently answering all of my many questions. He went above and beyond by exploring several different insurance options to find the best fit for my specific needs. What impressed me most was that he also provided helpful tips that significantly improved my understanding of insurance choices. Thanks to his expertise and guidance, I felt completely confident in making my decisions. On top of all this excellent service, I saved nearly $2,000 by switching from Allstate and keeping the same coverage! I highly recommend Karson to anyone looking for a knowledgeable, patient, and effective automobile insurance agent who can truly deliver results.
Richard P
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
