The patient protection affordable care act (P.P.A.C.A.), also referred to as Obama Care, has made health insurance extremely complex, involved and difficult to navigate. We are your health coverage and health care reform resource and expert. What does that mean? Many agencies function as the jack of all trades. They want all of your insurance business (I.E. auto, home, liability, business, etc.). Although we do provide expert advice for life, disability, and long term care insurance, here at Shop4healthplans our primary focus is health insurance and we know it intimately.  We have specialized in assisting individuals, families, self employed, independents, and small businesses since the year 2000. Shop4healthplans is appointed with all California insurance companies both in the private market and on the exchange (Covered California). The advice you receive is completely unbiased due to the fact, as brokers, we have no loyalty to any one particular carrier over the other. We look at each person on a case by case basis, taking to in consideration needs, wants, access to doctors and hospitals, budgets and income, then provide recommendations that will allow you to zero in on the plan that’s the best fit and value. Whether you purchase a policy directly from the insurance company, Covered California, or our agency, by law the premium is exactly the same. Whether you go it alone or have us assist you there is no fee for our services (a small commission is paid to us by the insurance company).