The top-rated health insurance agent in Encinitas, California is Lisa Trapp - State Farm Insurance Agent, rated 5.0 stars across 157 reviews. Other highly rated options include Katie Beach Harlan - State Farm Insurance Agent, Schulte Insurance Agency, Nick Witzmann Insurance Agency. This directory lists 11 health insurance agents serving Encinitas.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lisa Trapp - State Farm Insurance Agent | 1458 Encinitas Blvd | (760) 230-0231 |
| 2 | Katie Beach Harlan - State Farm Insurance Agent | 531 Encinitas Blvd STE 119 | (760) 753-4944 |
| 3 | Schulte Insurance Agency | 1036 2nd St | (760) 436-5015 |
| 4 | Nick Witzmann Insurance Agency | 330 Encinitas Blvd suite 202c | (760) 487-2727 |
| 5 | Best Quote Insurance Services | 1103 Quail Gardens Ct | (888) 536-1131 |
| 6 | Insuranca.com | 676 Polaris Dr | (760) 271-1717 |
| 7 | Pacific Health Brokers | 1738 Old Mill Rd | (800) 858-0563 |
| 8 | Health Savings Associates Insurances Services Inc | 687 S Coast Hwy 101 STE 310 | (888) 472-1090 |
| 9 | LIS Benefits | 531 Encinitas Blvd #111 | (760) 944-1020 |
| 10 | HealthMarkets Insurance - Steven Charles Leisher II | 405 Requeza St APT H4 | (760) 822-6832 |
Lisa Trapp - State Farm Insurance Agent serves the Encinitas, California area as a local health insurance agent. The company helps individuals and families in the region navigate their coverage options to meet personal medical needs. This involves assessing clients’ unique circumstances and comparing available plans. The agency handles plan selections during open enrollment periods and provides ongoing support for policy adjustments throughout the year. It specializes in individual major medical policies and supplemental health coverage in northern San Diego County.
Katie Beach Harlan - State Farm Insurance Agent offers health insurance services to individuals and families in the Encinitas area. The agency helps clients navigate plan options and enrollment periods, providing annual policy reviews to adjust coverage as needs change. Routine maintenance includes assistance with claims and answering questions about deductibles or networks. The company serves a diverse client base, including single-family homeowners, apartment renters, retail shop owners, and restaurant operators.
Schulte Insurance Agency serves individual homeowners, families, and small business owners in Encinitas, California, by providing health insurance agent services. The agency helps clients navigate plan options, compare coverage details, and enroll in policies that meet their healthcare needs. It also assists with understanding plan benefits and managing annual renewals or life changes that affect coverage. Its service area extends to neighboring communities throughout coastal North County San Diego.
Nick Witzmann Insurance Agency serves clients in Encinitas and across the surrounding coastal communities of San Diego’s North County. The company handles health insurance needs, helping individuals and families find coverage plans that fit their specific circumstances and budgets. It regularly explains policy options, including deductibles and networks, to assist customers with their choices. To handle a typical job, the agent takes time to review each client’s current health situation and financial priorities before presenting suitable plan comparisons from available carriers.
Best Quote Insurance Services helps individuals and families in Encinitas differentiate between one-time short-term health plans and recurring major medical coverage that continues year after year. As a local health insurance agent, the company assists clients in comparing available plans from private insurers during open enrollment and special enrollment periods. Services are available on a one-time or as-needed basis, depending on whether a client needs a single policy review or ongoing support with annual renewals and life changes.
Insuranca.com provides health insurance agent services in Encinitas, California, specializing in plan comparisons for individuals and families. The company guides clients through the selection of medical and prescription drug coverage. Its general service work includes explaining policy details and processing enrollment applications. As the open enrollment season approaches each fall, Insuranca.com helps local residents review their current plans and find updated coverage options that meet any changing health care needs or budget concerns.
Encinitas residents facing rising premiums or annual enrollment changes often seek clear guidance on their medical coverage choices. Pacific Health Brokers provides health insurance agent services in Encinitas, CA, helping individuals and families navigate plan options. The company focuses on explaining coverage details, comparing policies from various carriers, and clarifying enrollment periods or subsidy eligibility. Every new client relationship begins with a thorough needs assessment, reviewing current coverage to identify potential gaps or savings. The process typically starts with a preliminary consultation to gather medical and financial information for plan selection.
Health Savings Associates Insurances Services Inc, operating in Encinitas, helps individuals and families navigate health insurance options from major carriers in California. The agency specializes in pairing those plans with supplemental coverages like dental, vision, and prescription drug benefits for more comprehensive protection. Each client consultation focuses on matching personal health needs to a suitable policy. The firm can assist commercial clients needing coverage for small offices, local distribution warehouses, and nearby food service establishments.
LIS Benefits provides residential health insurance guidance to individuals and families throughout Encinitas, CA. The agency also assists local businesses in securing commercial coverage for their employees, helping navigate plan options in the surrounding San Diego area. Their work makes insurance more straightforward for clients during open enrollment periods. Between regular visits, LIS Benefits remains available for follow‑up assistance, policy adjustments, and claims support as needs arise.
HealthMarkets Insurance - Steven Charles Leisher II is a health insurance agent serving Encinitas and the surrounding communities, known for guiding individuals and families through the selection of medical plans. The agency’s service range includes helping clients compare and enroll in private health insurance policies that meet varied coverage needs. General assistance extends to navigating plan benefits and application processes for local residents. A specialty service this agent can add on is connecting clients with supplemental dental coverage during open enrollment.
What Does a a Health Insurance Agent in Encinitas Cost?
Health insurance agents in California generally do not charge you a direct fee. Their compensation comes from the insurance carrier as a commission typically between 2% and 8% of the annual premium. For a family plan this could mean a commission of $200 to $800 per year. Costs vary by plan type and carrier. This is general information not insurance advice.
About health insurance agents in Encinitas
Health insurance agents in Encinitas help individuals families and small businesses find suitable coverage. California requires all agents to be licensed by the Department of Insurance and to follow state rules for plan disclosures. Local agents understand the specific needs of Encinitas residents including access to Scripps Health and UC San Diego Health networks.
Frequently Asked Questions
What is the role of a health insurance agent in Encinitas?
A health insurance agent helps you compare plans from multiple carriers and enrolls you in a policy. They guide you through Covered California open enrollment or special enrollment periods. Agents also assist with Medicare Advantage and Medigap plans for seniors.
Do I have to pay a fee to use a health insurance agent in California?
In most cases health insurance agents are paid by the insurance company not by you. Their commission is built into the premium. Always ask the agent about their compensation before starting.
What documents do I need to apply for health insurance through an agent?
You typically need proof of income residency and citizenship or legal status. For Covered California you also need Social Security numbers for all household members. The agent can help you gather these documents.
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