Health Insurance

Health Insurance Guidance for Individuals & Families in California

Finding health insurance in Los Angeles doesn’t have to feel overwhelming. Whether you're self-employed, between jobs, or shopping for better family coverage, we’ll help you understand your options and make informed decisions. While Derian Insurance doesn't directly sell individual health plans, we’re happy to guide clients through Covered California and private market choices to ensure you’re not left without essential medical coverage.

Family at doctor's office: parents with young child consult with a smiling, gray-haired doctor at a desk.

How Health Insurance Works in California

Most people get coverage through one of three paths: an employer plan, the Covered California marketplace, or a private individual/family plan. If you qualify for tax credits, Covered California may offer lower-cost plans. We can help you compare plan tiers—Bronze, Silver, Gold, and Platinum—and understand differences like:

Hands cupping a medical cross symbol.

HMO vs PPO networks

Calendar icon with a medical cross.

Monthly premiums vs deductibles

Prescription document with pills.

What’s covered for prescriptions, specialist visits, and preventive care

If you’re self-employed, a freelancer, or simply need your own plan, we’ll walk you through your eligibility, enrollment windows, and the best way to balance benefits and cost.

Hand holding a heart with a heartbeat line and a cross, representing healthcare.

What About Medicare or Short-Term Health Insurance?

If you’re nearing age 65 or need help understanding Medicare supplement options, let us know—we can refer you to trusted partners who specialize in that space. We also help clients consider short-term or gap coverage when needed, especially between jobs or outside of Open Enrollment.

Why Local Guidance Still Matters

Even though we don't actively sell health insurance, we’ve helped plenty of Los Angeles families navigate this complicated process. Whether you’re exploring Covered California or shopping private plans, we’re happy to point you in the right direction. From Silver Lake to Santa Monica, and everywhere in between, we offer practical, no-pressure advice that keeps your health—and your budget—top of mind.

Common Health Insurance Questions

  • What is Covered California?

    Covered California is the state’s health insurance marketplace where individuals and families can shop for ACA-compliant plans. It offers financial help based on income and only allows plan changes during open enrollment or with qualifying events.

  • Can I get health insurance outside of Open Enrollment?

    Yes—but only if you experience a qualifying life event like losing coverage, moving, getting married, or having a child. We’ll help you know if you qualify.

  • Do you offer short-term or temporary health insurance?

    While we don’t offer short-term plans directly, we can explain your options and refer you to carriers who do, based on your coverage gap.

  • Can you help me choose a doctor or network?

    We can help you understand which carriers offer the provider networks you prefer, though specific doctor selection typically happens during enrollment.

Let’s Make Health Insurance Less Confusing

If you're ready to explore individual or family health insurance in California, give us a call. We'll walk you through your choices—Covered California or private—and help you find a plan that fits your needs and budget. For small business group health, check out our Employee Benefits page.