Health Insurance
Covered California
The State of California with The Cooperation of the Federal Government created Covered California Market Place where individuals and small business owners can go and shop for health coverage. Consumers also have the option to go straight to the insurance companies and purchase coverage; however, they will not be able to qualify for any financial subsidies if they do so. So far, the only way to get financial subsidies (tax credits) is if the individual purchases coverage through the Marketplace, also known as the Exchange.
Navigating the Exchange forms for health insurance coverage can be difficult and sometimes stressful, many people just give up. Or by the time they get to select their health plan, they simply pick the lowest value simply because they do not want to spend any more time looking over plan details.
Health Insurance Coverage That Cares
At Peace & Grace Insurance Services, we know health insurance isn’t just about policies — it’s about people. Whether you’re self-employed, between jobs, or simply looking for a better fit, our team is here to help you find the right coverage for your health and your budget.
Your Health, Your Choice
We offer a wide range of individual and family health insurance plans, including options through Covered California. As a certified Covered California agency, we can help you access plans that include federal and state subsidies based on your income and household size.
We Help You Understand:
- Deductibles, copays, and out-of-pocket maximums
- Network types: HMO, PPO, EPO
- Plan levels: Bronze, Silver, Gold, Platinum
- Special enrollment periods and qualifying events
- Income-based premium assistance & Medi-Cal eligibility
Who We Help
- Self-employed individuals
- Families with changing income or job loss
- Small business owners and employees
- College students and early retirees
- Anyone needing a bridge plan between jobs or coverage gaps
Why Choose Peace & Grace?
- Certified Covered California agent
- No-cost help enrolling or renewing your plan
- Faith-based, no-pressure guidance
- Local and remote service options available
We don’t just help you pick a plan — we help you understand it, use it, and get the most out of it. Whether it’s during open enrollment or a life change in between, we’re here to guide you with peace and grace.
