How It Works

Three simple steps to get your best health insurance offers.

Tell Us Your Needs

Share basics like household, budget, and preferred doctors.

We Compare Plans

We scan ACA, PPO, and HMO options to match your needs.

Get Personalized Offers

Receive curated plans and guidance from licensed agents.

Popular Health Insurance Offers

Compare plans and save. We work with top-rated providers across California to find you the best coverage at the best price.

ACA Marketplace Plans

Explore Bronze, Silver, and Gold tier plans with potential subsidies based on your household income.

  • Preventive care included
  • Telehealth options
  • Prescription coverage
Check Eligibility
PPO & HMO Plans

Flexible network options that fit your preferred doctors and hospitals. Great for families and individuals.

  • Large provider networks
  • Specialist referrals
  • Urgent care access
Compare Plans
Family & Individual Plans

Customized coverage for your family size, budget, and health needs—without sacrificing benefits.

  • No hidden fees
  • Affordable monthly premiums
  • Annual wellness benefits
See Discounts

Plan Types at a Glance

Compare ACA Marketplace, PPO, and HMO plans on key features to find your best fit.

Feature ACA Marketplace PPO HMO
Network Flexibility Primarily in-network; options vary by plan High (often includes out-of-network) In-network only with coordinated care
Primary Care Referral Varies by plan No referral required Referral typically required
Typical Premium May qualify for subsidies Higher (greater provider choice) Lower (focused network)
Best For Budget-conscious households Flexibility to see preferred doctors Low-cost, coordinated care

Get Personalized Health Offers

Complete the form below and our licensed agents will reach out with tailored health insurance offers and plan recommendations.

Complete the following fields to receive tailored health insurance offers.
Answer a few quick questions so we can tailor your offers.
We’ll use this to address your quote.
We’ll send your offers to this email.
Optional: Include your best time to talk.
Choose the coverage you’re seeking first.
Add any preferences that help us personalize your offers.
By submitting, you agree to our Terms and Privacy Policy.

Why Choose Cover A Secure

Trusted guidance, personalized recommendations, and transparent support.

Licensed Agents

Work directly with licensed professionals to compare your options.

Top-Rated Carriers

We partner with reputable insurers to ensure quality coverage.

Savings First

Find plans that balance benefits and cost for your budget.

Ongoing Support

We’re here when you need help—before and after enrollment.

Ready to compare offers?

Talk to a licensed agent or request your personalized offers.

Eligibility & Enrollment Checklist

Prepare these details to fast‑track your personalized offers.

  • Household size and ZIP code
  • Preferred doctors or clinics (optional)
  • Current prescriptions or conditions (optional)
  • Monthly budget range
  • Ideal coverage start date
Savings Tips
  • Check if you qualify for marketplace savings based on household income.
  • Consider higher deductibles to lower monthly premiums if you use care infrequently.
  • Use telehealth services where available for convenience and lower costs.

Frequently Asked Questions

Quick answers to common questions about plans and offers.

We’ll ask for your contact details, preferred coverage type, and any notes about doctors, medications, or budget. This helps us tailor recommendations.

Yes—PPOs often allow out-of-network options, while HMOs use in-network providers. We’ll check network compatibility based on your preferences.

Many Californians qualify for ACA marketplace subsidies based on household income. We’ll help you determine eligibility and maximize savings.

What Clients Say

Real experiences from people who compared and saved with us.

“I found a plan that kept my doctor and reduced my monthly premium. The process was fast and straightforward.”

Jane D.
San Jose, CA

“They compared options across carriers and explained the differences clearly. I’m confident in my coverage.”

Marcus L.
Sacramento, CA

“We saved as a family while keeping the benefits we needed. Great support from licensed agents.”

Lopez Family
San Diego, CA