Insurance
Health Insurance
Protect your health and your peace of mind with personalized health insurance built for California residents. Whether you're managing everyday care, planning for the unexpected, or exploring better coverage, we’ve got you covered — with local support you can trust.
Rated 4.8 out of 5
Based on 50+ reviews
Covers medical costs
Pays for doctor visits, hospital stays, prescriptions, and emergency care.
Goes beyond the basics
Includes preventive care, mental health services, and specialist visits.
Meets legal requirements
Complies with California’s individual mandate and healthcare laws.
Peace of mind
Feel confident knowing you and your family are protected.
Health Insurance made simple
Personalized coverage. Trusted local guidance.
At Kwan Insurance Services, we help you find the health insurance that truly fits your life. Whether you’re an individual seeking affordable coverage, a family looking to protect loved ones, or simply want better service and more clarity, we work with you to choose the right plan for your needs and budget. Health insurance protects you financially from the high cost of care, from routine checkups to medical emergencies. It’s not just about meeting state requirements, but about ensuring access to quality care when it matters most.
With access to top health insurance carriers, we compare plans, explain your options clearly, and guide you through the process step by step so you don’t have to figure it out alone. As your personal advisor, we make health insurance simple, transparent, and tailored to your life.
Built on trust. Backed by experience.
Here’s why people choose us for their health insurance
- Family-owned with personal, honest service.
- 30+ years of local insurance expertise.
- We compare top carriers to save you money.
- Support in English, Cantonese, and Mandarin.
Build a policy that works for you
Popular Health Insurance coverage
We make it easy to understand your coverage choices. Explore the coverage options that offer the right balance of care, cost, and confidence.
Find the right coverage at the right price
Get your free quote in minutesWhat is Health Insurance and how does it work?
Health insurance is a policy that helps cover your medical expenses, from routine checkups and lab work to surgery and hospital stays. You pay a monthly premium, and in return, your insurer helps pay for covered health services, sometimes after meeting a deductible.
See state-specific insurance exceptions
Coverage and requirements may vary by state. Check with us to see what applies in your area.
Why having Health Insurance matters
Health insurance isn’t just a legal requirement in California - it’s a critical safety net. It protects you from overwhelming medical bills, gives you access to care when you need it, and provides essential preventive services to help you stay healthy.
What’s typically covered by Health Insurance?
Most health insurance policies include: preventive care (annual exams, vaccines), doctor and specialist visits, hospitalization and surgery, emergency care and urgent care, and prescription medications. You can also get coverage for mental health and substance use services and pediatric care and maternity (in family plans).
Optional coverages and special insurance options
Want extra peace of mind? Customize your plan with options like: Dental and vision coverage, critical illness or cancer plans, telehealth services, and health savings accounts (HSA-compatible plans). We also assist with short-term coverage, COBRA transitions, Medicare Advantage, so your insurance grows with your life.
How we help you choose the right Coverage
As your local broker, we listen first. We take the time to understand your health needs, budget, and concerns, then walk through your best options. Whether you’re new to insurance or switching plans, we’re here with honest advice and personal service.
How to get started
Simple steps to the right Health Insurance
From your first message to ongoing support, getting insured with us is easy. Here’s how we guide you through every step — with clarity, care, and no pressure.
No complicated formsFast, Personalized Quotes
Step 1
Get in touch
Contact us by phone, email, or online — we’re ready to help.
Step 2
Get tailored car insurance quote
We’ll ask a few quick questions and provide the best options for you.
Step 3
Get honest advice
Not sure what you need? We’ll explain your coverage options clearly.
Step 4
Set up your policy
When you’re ready, we’ll handle all the paperwork and get you insured.
Step 5
Rely on us for support
Have questions or need to file a claim? We’re here whenever you need us.
You’re in good company
See how we’ve helped individuals and families find confidence in their coverage
Rated 4.9 out of 5 by real clients
I called 8 different insurance companies for a landlord quote. A few companies did not offer landlord insurance coverage. Carson Kwan was highly recommended and he was professional and provided a reasonable quote compared to other companies. His staff is very kind and I would highly recommend Kwan Insurance!
Emma Buchanan
1 month ago
I took my son to get auto insurance and Karson was informative and reliable. He helped us to get a great coverage with a premium much lower that what we expected. I highly recommend Kwan Insurance.
Karen Cheng
2 months ago
Reached out on a Friday, sent link same day, I filled out application over the weekend, got quotes the following (for auto, home & umbrella) Tuesday. They told me upfront that my rates were likely the best already, but they still helped me out. The umbrella was inherited from a previous broker who had been non reponsive - and I asked if the policy could be switched over. They were able to do so in 24 hours. I am beyond relieved to find competent agents who took time to answer all my questions before even gaining my business. Thank you!
Milly Shiu
2 months ago
Karson is fantastic to work with. I was referred to him about a year ago and we now have multiple policies with his company. He always looks out for his clients and finds the best fit and price while also giving guidance on coverages specifically. Highly highly recommend!
Mino Solomon
2 months ago
Wow, Karson is extremely knowledgeable on different insurance plans. I never thought I could enjoy buying insurance but here I am. 10/10 would recommend.
Marcus Cheung
2 months ago
Highly recommend Kwan Insurance Services. I had a wonderful experience with Karson. He was very prompt, thorough and thoughtful. He took the time to explain to me options and quick to find solutions for me. I was very happy with his work. 👏👏👍👍
Edna Salinas
2 months ago
I was helped by Karson. I switched my vehicle insurance over and he was able to create a bundle with my home insurance as well.
Above all, I really enjoyed the professionalism and urgency that he showed while working on my files.
I felt secure and comfortable the entire time and have no problems recommending his services to any of my friends.
Wayne Wen
2 months ago
We had a great experience with Karson setting up insurance for our new home in California. He was extremely responsive via email and text, offered clear explanations, and provided us with everything we needed. Highly recommended!
David Thissen
3 months ago
Karson was a great agent/insurance advisor to work with when my family and I were looking for a different bundled homeowners and auto insurance provider. He was incredibly responsive and able to provide multiple quotes, along with sound advice to help me better understand the right choice for coverage. At a time when many homeowners face limited options due to insurers no longer providing coverage for California residents I felt a sense of security working with Kwan insurance.
Tiffany Zendejas
3 months ago
It was wonderful to have an agent like Karson Kwan, experience, friendly and patient, I’m absolutely delighted working with him. 😁
A F1
3 months ago
FAQ
Common health insurance questions asked by clients
Get quick answers to the questions we hear most — from coverage basics to claims and costs.
Can I switch my current car insurance to Kwan Insurance?
Yes! We’ll help you review your current policy, compare it with better options, and guide you through making the change smoothly.
Do I qualify for subsidy through Covered California?
Possibly. We’ll help you check your eligibility and enroll in a subsidized plan if you qualify.
What information do I need to get a quote?
Your age, ZIP code, household size, and income help us find the best options.
Do you offer help for self-employed or part-time workers?
Absolutely, we specialize in individual plans that fit all lifestyles.
What happens if I need to file a claim, do I contact Kwan or the insurance company?
You’ll contact the insurance company directly, but we’re always here if you need along the way.
Coverage made simple
Helping Local Families Stay Covered and Cared For
- Rated 4.8 out of 5 stars
- 30+ years of expertise
