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- Health Insurance That Fits Your Life
Health Insurance That Fits Your Life
Health insurance is one of the most important financial protections you can have. A single unexpected illness, emergency room visit, or surgery can result in significant medical expenses without the right coverage.
Whether you’re self-employed, changing jobs, starting a family, retiring early, or simply reviewing your current policy, choosing the right health insurance can help protect both your health and your finances.
At DeFazio Insurance Brokerage, we help individuals, families, and small business owners compare health insurance options from multiple carriers. As an independent insurance brokerage serving Sacramento and communities throughout California, our goal is simple: help you understand your options and find coverage that fits your needs and budget.
Unlike working with a single insurance company, we compare multiple plans to help you make an informed decision based on your doctors, prescriptions, expected healthcare needs, and monthly budget.
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What Is Health Insurance?
Health insurance helps pay for covered medical expenses in exchange for a monthly premium. Depending on your plan, health insurance may help cover:
- Doctor visits
- Preventive care
- Specialist appointments
- Emergency room care
- Hospitalization
- Surgery
- Prescription medications
- Laboratory testing
- Imaging (MRI, CT scans, X-rays)
- Mental health services
- Maternity care
- Pediatric care
- Physical therapy
- Urgent care
Every plan is different, making it important to compare deductibles, copays, provider networks, prescription coverage, and annual out-of-pocket limits.
- Life Insurance Coverage
Real Protection. Rates You'll Actually Afford.
| Coverage amount | Starting at |
|---|---|
| $100,000 | $6/ mo |
| $200,000 | $10/ mo |
| $500,000 Most popular | $13/ mo |
| $1,000,000 | $18/ mo |
| $2,000,000 | $30/ mo |
Individual Health Insurance
If you don’t receive health insurance through an employer, purchasing an individual health insurance plan may be the right solution.
Individual plans are popular among:
- Self-employed professionals
- Independent contractors
- Business owners
- Freelancers
- Gig workers
- Early retirees
- College graduates
- Individuals between jobs
These plans can often be purchased through Covered California or directly from insurance companies depending on your eligibility and preferences.
PPO vs. HMO Plans
Choosing the right network is just as important as choosing the insurance company.
PPO Plans
Preferred Provider Organization (PPO) plans generally offer:
- Greater flexibility
- Larger provider networks
- Access to specialists without referrals
- More out-of-network options
HMO Plans
Health Maintenance Organization (HMO) plans generally offer:
- Lower monthly premiums
- Coordinated care through a primary care physician
- Referral requirements for specialists
- Lower out-of-pocket costs for many services
We’ll help you compare both options based on your healthcare preferences.
Family Health Insurance
Protecting your entire family with one health insurance plan can provide peace of mind while simplifying your healthcare coverage.
Family plans typically include:
- Preventive care
- Pediatric visits
- Well-child exams
- Vaccinations
- Emergency care
- Specialist services
- Prescription drug coverage
- Maternity care
- Mental health benefits
Choosing the right family plan often involves balancing monthly premiums with deductibles and expected healthcare usage.
Covered California
Many Californians qualify for financial assistance through Covered California.
Depending on your household income, you may qualify for premium tax credits that reduce your monthly insurance costs.
We help clients:
- Determine eligibility
- Compare Marketplace plans
- Estimate subsidies
- Complete enrollment
- Review renewal options
- Understand plan differences
Our goal is to simplify what can often feel like a confusing process.
When Can You Enroll?
You may enroll in health insurance during:
Open Enrollment
The annual enrollment period for individual Marketplace plans.
Special Enrollment Period
Certain life events may allow you to enroll outside of Open Enrollment, including:
- Marriage
- Divorce
- Birth or adoption of a child
- Loss of employer coverage
- Moving to a new coverage area
- Other qualifying life events
If you’re unsure whether you qualify, we’ll help determine your eligibility.
Why Work with an Independent Health Insurance Broker?
Health insurance can be confusing.
Every insurance company offers different:
- Networks
- Premiums
- Deductibles
- Prescription coverage
- Copays
- Provider access
As an independent brokerage, we work for you—not one insurance company.
We’ll explain your options in plain language so you can make an informed decision without pressure.
Frequently Asked Questions
1. How much does health insurance cost?
Premiums vary based on your age, location, household size, income, and the plan you choose.
2. Can I keep my doctor?
It depends on whether your physician participates in the plan’s provider network. We can help verify your providers before enrollment.
3. Do I qualify for financial assistance?
Many Californians qualify for premium tax credits through Covered California based on household income.
4. Can I enroll if I missed Open Enrollment?
Possibly. Certain qualifying life events allow you to enroll through a Special Enrollment Period.
Why Choose DeFazio Insurance Brokerage?
Finding health insurance shouldn’t feel overwhelming.
We’ll help you compare plans from multiple carriers, explain your options, verify provider networks, estimate costs, and guide you through the enrollment process from start to finish.
Whether you’re purchasing your first policy or replacing existing coverage, we’re here to help.
Protect Your Health—and Your Financial Future
The right health insurance policy provides more than medical coverage—it provides peace of mind.
Contact DeFazio Insurance Brokerage today to compare health insurance plans in Sacramento and throughout California. We’ll help you find affordable coverage that’s tailored to your needs.
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