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Goldhonor USA 美國金宏保險 Financial & Insurance Services

Health Insurance

Individual & Family Health Insurance

Personalized health coverage for you and the people who matter most.

Get a Free Quote

Who This Is For

Self-Employed Individuals

No employer plan? We'll find you solid individual coverage at a competitive rate.

Families

Protect your whole household with a single family plan that covers everyone from kids to parents.

Between Jobs

Lost employer coverage? We'll bridge the gap quickly so you're never left unprotected.

Early Retirees

Not yet Medicare-eligible? We'll find the right coverage to carry you through to 65.

Coverage Options

HMO Plans

Lower premiums with a primary care physician coordinating your care within a defined network.

PPO Plans

Greater flexibility to see any doctor or specialist, in or out of network, without a referral.

EPO Plans

A hybrid approach — no referrals needed, but care must stay within the plan's network.

HDHP + HSA

High-deductible plans paired with a Health Savings Account for tax-advantaged medical spending.

Short-Term Plans

Temporary coverage for gaps between jobs or life transitions — flexible and fast to enroll.

Covered California Plans

ACA marketplace plans with potential premium subsidies based on your household income.

How We Help

01

Review Your Situation

We assess your income, health needs, preferred doctors, and budget to narrow down the best options.

02

Shop the Market

We compare plans across multiple carriers — including Covered California — to find your best fit.

03

Explain Everything Clearly

No jargon. We explain premiums, deductibles, copays, and networks in plain English or Mandarin.

04

Enroll & Stay Supported

We handle enrollment and remain your point of contact for claims questions and annual renewals.

Trusted Carrier Partners

Anthem Blue CrossBlue Shield of CaliforniaKaiser PermanenteAetnaCignaUnitedHealthcareHealth NetMolina HealthcareOscar HealthCovered CaliforniaIEHPCalOptimaLA Care

Find the Right Health Plan

Our agents will help you compare plans and find the best fit for your budget and needs.