Affordable Individual and Family Health Insurance in California

Insurance Enterprise is California’s leading insurance provider for individuals and families. We partner with top insurance companies to help you get premium health insurance plans for yourself or your family. Contact us today and get a personalized quote. We can help you compare coverage plans and find right health insurance company in California. We guide you through the process so that you get adequate coverage regardless of your situation.


We Work with Top Health Insurance Providers Including:

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Which Type of Individual Health Insurance Plan is Right for You?

You have two main options for individual health insurance or family health insurance in California:

Affordable Care Act Our Coverage
Avg. Deductibles $7,000 $2,500
Premiums Increase 25%-100% annually Save up to 50%
Cash Sum Benefits None for critical illness Up to $100,000 lump sum for critical illnesses
Enrollment Period 45 days All year

Why Choose Insurance Enterprise

Affordable Insurance Plans

Affordable Insurance Plans

You save up to 50 percent on individual and family plans. Don’t pay more than necessary to get full insurance coverage.

Straightforward Underwriting Process

Easy Underwriting Process

Our experts guide you through a simple underwriting process. We match the insurance plan with your healthcare needs.

Quality Customer Service

Quality Customer Service

Our customer service experts are knowledgeable and responsive. You get straight answers without the wait.

Critical Illness Health Coverage

Coverage for Critical Illnesses

Instead of paying out-of-pocket, you get a lump sum for critical illness during diagnosis and treatment.

Simple Comparison Shopping

We Compare Providers

You don’t have to spend hours online or on the phone comparing providers. We do the homework for you.

Automatic Re Enrollment

Auto Re-Enrollment

Don’t worry if you forget to enroll. Our system auto-renews your policy and sends out a notification in advance.

Frequently Asked Questions

What is a limited benefits policy? What does it cover?

The policy comes with three tiers so we can get the most comprehensive coverage at the most affordable price. The tiers include:

Tier 1 – Provides coverage for doctor office visits, urgent care, labs, tests, diagnostics, annual preventive care, annual OB/GYN preventive care within the PHCS Multi-Plan, and/or First Health Network.

Tier 2 – Provides coverage for specialty doctor prescriptions, hospitalization, ambulatory, mental illness, etc. (best coverage and rates if using a PHCS Multi-Plan facility)

Tier 3 – Provides coverage for critical illnesses such as heart attack, cancer, stroke, etc.

Can I choose my own doctor?

You can choose from two of the largest networks in the country, which are First Health ( and PHCS Multi-Plan ( All plans are PPO network.

Which tier covers generic and brand name prescriptions? Is there a copay for prescription medications?

Tier 2 provides coverage for prescriptions for both generic and brand name.

With the combination of network discounts and reimbursements, generic prescriptions cost $10 on average and brand name $20 on average. Some brand names are expensive and may cost more than $20. If so, we recommend going back to the doctor to see if there is an alternative prescription.

How is the insurance plan chosen?

As a private exchange broker, we have multiple plans available from the insurance companies that you may choose. You may have to qualify for the plan and undergo a routine underwriting process. The underwriters can help you choose the Insurance company that best matches your needs.

Is there a one-year commitment? If so, when can I drop the plan?

Your commitment is for one year. Afterward, your policy will automatically renew each year. You will receive a notification to remind you of renewal and give you an opportunity to make any changes to your policy. You can cancel the policy at any time.

Is there an open enrollment period?

Enrollment is available throughout the year.

Do you provide full health coverage?

Our health insurance plan provides full benefits. It may differ from what you are accustomed to because we created a package that provides comprehensiveness at lower rates. Most exchange policies are with BCBS or Humana. They have rates that increased by as much as 100% from 2017 to 2018. Plus, the deductibles have increased. We are providing alternative solutions to the public who are looking for a provider with similar benefits but for more affordable prices.

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Contact Insurance Enterprise for Individual Health Insurance
and Family Health Insurance in California

If you have questions about health insurance in California and need to enroll, then contact Insurance Enterprise at 888-350-6605. Speak to a licensed agent and find out more about how you can get an affordable health insurance plan.