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Individual & Family Health Insurance Open Enrollment for 2016

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The individual and family health insurance enrollment for 2016 starts on November 1, 2015 and goes through January 31, 2016. This is the time when you can change plans, insurance companies, or go from Covered California to a private plan and vice versa. Please call our office to make any changes, otherwise you will auto renew on your current plan.

Do to the volume of business we are handling at the moment, we truly apologize if our emails and phone calls back to you take longer than usual. Please know that your business is extremely important to us, and we will get back to you as soon as possible.

We are asking our clients to have any changes in by December 1, 2015 for a January 1, 2016 effective date. The reason for this is so that you have ID numbers in time for January 1st. Any changes after December 15th will have a February 1, 2016 effective date. Any changes after January 15th will have a March 1, 2016 effective date.

Our Covered California specialists are Stephen Cummings and Kelli Graham. Stephen can be reached at 760.436.5015 or Kelli can be reached at 760.436.5015 or

Our off exchange (non Covered California) specialists are Liz Schulte and Stephen Cummings. Liz’s contact info is 760.436.5015 or and Stephen’s is above.

Our Medicare Specialist is Stephen Cummings as well.

Thank you for your continued loyalty to our agency, we would not be here without all of you!