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Find Health Insurance Agents Near You in Monterey, CA

Browse health insurance agents serving Monterey, California. Updated 2026-07-14.

The top-rated health insurance agent in Monterey, California is AAA Monterey Branch, rated 4.5 stars across 280 reviews. Other highly rated options include Farmers Insurance - Jessica Connally, Natalie Hungerford: Allstate Insurance, Capital Insurance Group. This directory lists 16 health insurance agents serving Monterey.

Showing 16 health insurance agents in Monterey, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1AAA Monterey Branch53 Soledad Dr(831) 645-1900
2Farmers Insurance - Jessica Connally404 W Franklin St Ste 102(831) 424-0829
3Natalie Hungerford: Allstate Insurance591 Hartnell St(831) 642-6400
4Capital Insurance Group1 Lower Ragsdale Dr(877) 200-4220
5Aspire Health10 Ragsdale Dr #101(831) 375-1462
6Cowell & Smith Insurance Agency2250 N Fremont St(831) 372-5800
7Laurrie Pike Insurance Agency404 W Franklin St(831) 373-3180
8Finch and Pirkle Insurance482 Alvarado St(831) 372-1206
9HUB International401 Fremont St Unit 100(831) 373-4925
10Nikssarian Insurance Services, Inc.700 Camino El Estero(831) 333-9600
AM
53 Soledad Dr
AAA Monterey Branch
Health Insurance Agent · Monterey, CA

AAA Monterey Branch serves the Monterey County area as a health insurance agent. The company guides clients through their options for medical coverage, helping individuals and families find plans that fit their needs. The local team assists with the enrollment process and explains plan details clearly. They handle plan comparisons and annual renewal guidance for residents in and around Monterey. The branch also helps with Medicare plan selections and helps small business owners explore group health coverage.

FI
404 W Franklin St Ste 102
Farmers Insurance - Jessica Connally
Health Insurance Agent · Monterey, CA

Farmers Insurance - Jessica Connally provides health insurance agent services in Monterey, California, offering consultations on individual and family health plans, along with short-term coverage options. The agency assists clients with plan selection, enrollment, and ongoing policy management to meet changing healthcare needs. It helps navigate open enrollment periods and life changes that require adjustments. The company services a diverse range of properties, including single-family homes, apartments, retail spaces, and restaurants.

NH
591 Hartnell St
Natalie Hungerford: Allstate Insurance
Health Insurance Agent · Monterey, CA

Serving homeowners, renters, and small business owners in Monterey, Natalie Hungerford: Allstate Insurance provides health insurance agent services to help individuals and families find suitable coverage. The agency assists clients with comparing plan options and understanding policy details for medical needs. It also offers guidance on enrolling in plans that fit different budgets and life stages. This agency extends its services to the neighboring communities of Pacific Grove and Seaside, ensuring residents in those areas also have access to local health insurance support.

CI
1 Lower Ragsdale Dr
Capital Insurance Group
Health Insurance Agent · Monterey, CA

Capital Insurance Group serves the Monterey, California area and surrounding communities as a local health insurance agent. It handles individual and family health plans, Medicare options, and small business group coverage. Clients benefit from access to multiple insurance carriers and personalized plan comparisons. The agency begins each case with a detailed needs assessment to understand medical usage and budget, then presents a short list of suitable policies and explains key differences in coverage, deductibles, and networks before enrollment.

AH
10 Ragsdale Dr #101
Aspire Health
Health Insurance Agent · Monterey, CA

Unlike an insurance website offering quick quotes without guidance, Aspire Health provides personalized consultation on health coverage plans for individuals and families in Monterey, CA. Their service involves explaining policy nuances related to deductibles, networks, and prescription drug coverage to help clients choose appropriate plans. They also offer ongoing support for claims or questions throughout the year. Service is available on an as-needed basis, with appointments scheduled during regular business hours to address specific coverage needs upon request.

CS
2250 N Fremont St
Cowell & Smith Insurance Agency
Health Insurance Agent · Monterey, CA

As a health insurance agent based in Monterey, CA, Cowell & Smith Insurance Agency specializes in helping individuals and families compare and select individual health plans. It also assists local businesses in finding suitable group coverage options for their employees. The agency works with clients to navigate the complexities of both private insurance and public exchange enrollment. It provides particular support during the annual Open Enrollment Period, helping Monterey residents secure compliant coverage before deadlines.

LP
404 W Franklin St
Laurrie Pike Insurance Agency
Health Insurance Agent · Monterey, CA

As the open enrollment season approaches in Monterey, residents often seek clear guidance for their health coverage options. Laurrie Pike Insurance Agency responds by providing consultations that break down available plans in the region. The agent helps clients understand how different policies address their medical needs and financial situations without using jargon. Every meeting begins with a thorough review of the individual’s current coverage and healthcare priorities to identify the most suitable alternatives before proceeding to a formal plan inspection.

FP
482 Alvarado St
Finch and Pirkle Insurance
Health Insurance Agent · Monterey, CA

Finch and Pirkle Insurance assists individuals and small groups in and around Monterey with their health coverage needs, specializing in serving those looking for plan details beyond basic offerings. This health insurance agency works as a local resource for navigating plan options and enrollment periods. Clients can find support for selecting plans that fit their medical and financial circumstances. The firm is equipped to handle the insurance needs of professional offices, warehouses, and food service establishments operating in the region.

HI
401 Fremont St Unit 100
HUB International
Health Insurance Agent · Monterey, CA

Serving residents of Monterey, this agent provides individual health insurance plans for families and individuals. For local businesses, the office also arranges commercial health coverage for groups operating throughout the region. Each client receives a careful review of available plan options to match their specific medical needs and budget. Policies are explained clearly before enrollment, helping people navigate complex choices. After enrollment, the agent assists with claims questions and plan updates. Follow-up service is provided annually to review coverage needs well before the next open enrollment period.

NI
700 Camino El Estero
Nikssarian Insurance Services, Inc.
Health Insurance Agent · Monterey, CA

Nikssarian Insurance Services, Inc. assists Monterey residents with their health insurance needs, helping individuals and families select appropriate medical coverage for their circumstances. The agency also serves local businesses by providing group health insurance options for commercial clients throughout the Monterey area. Their agents stay informed about California’s evolving health insurance marketplace to offer practical guidance. After an initial policy is in place, they remain available to answer questions and help with necessary adjustments between regular visits, ensuring clients can revisit their plans when circumstances change.

VI
9 Soledad Dr
Vogelpohl Insurance Services
Health Insurance Agent · Monterey, CA
(831) 277-0914
vogelpohlinsurance.com/contact_us
MB
311 Vía Gayuba
Monterey Bay Insurance Services Inc
Health Insurance Agent · Monterey, CA
(831) 649-6941
CC
484 Washington St Ste B
Connie C Smith Insurance Services
Health Insurance Agent · Monterey, CA
(831) 375-2654
BI
444 Pearl St
Bray Insurance
Health Insurance Agent · Monterey, CA
(831) 375-1600
brayinsurance.com
SA
556 Laine St
The Spainhower Agency
Health Insurance Agent · Monterey, CA
(916) 370-4484
NY
400 Camino Aguajito Suite 209
New York Life Insurance Company
Health Insurance Agent · Monterey, CA
(831) 250-7597
newyorklife.com/agent/davists

What Does a a Health Insurance Agent in Monterey Cost?

Health insurance agents in California typically do not charge a direct fee to consumers. Their compensation comes from the insurance carriers as a commission, which is factored into the plan premium. For individual plans through Covered California, premiums vary widely based on age, location, income, and plan tier. A mid-level Silver plan for a 40-year-old in Monterey might cost between $400 and $700 per month before subsidies. Medicare plans often have no monthly premium for Part A, with Part B premiums around $174.70 per month in 2024. This is general information, not insurance advice.

About health insurance agents in Monterey

Health insurance agents in Monterey, California help individuals and families find coverage through Covered California, Medicare, and private insurers. Under California law, agents must be licensed by the Department of Insurance and can assist with open enrollment periods and special enrollment events. Local agents understand the specific health care needs of the Monterey community, including access to providers like Community Hospital of the Monterey Peninsula.

Frequently Asked Questions

What does a health insurance agent in Monterey do?

A health insurance agent helps you compare plans from different carriers, explains coverage details, and assists with enrollment. They can help with Covered California plans, Medicare Advantage, Medicare Supplement, and individual private plans. Agents are licensed and must follow California insurance regulations.

Do I have to pay a fee to use a health insurance agent in Monterey?

In most cases, health insurance agents in California are paid by the insurance company, not by you. Their commission is built into the plan premium. You should confirm this with the agent before starting the process.

When can I enroll in a health plan with a Monterey agent?

You can enroll during the annual Open Enrollment Period, which for Covered California typically runs from November 1 to January 31. You may also qualify for a Special Enrollment Period if you have a qualifying life event like losing other coverage, moving, getting married, or having a baby.

Health Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each health insurance agent's credentials and current standing with your state Department of Insurance.