In California, the average 2027 benchmark silver premium for a 40-year-old is $655 a month before any premium tax credit, versus $704 nationally. Prices in San Francisco vary by plan and insurer, so ask for a quote.
These are physical health insurance agency offices near San Francisco, not call centers. Each one lists a storefront address and office hours. The most-reviewed offices are at the top.
Health Insurance Agencies & Offices near San Francisco
Licensed agents can compare plans available in San Francisco County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in San Francisco
- The city-run San Francisco Health Network, which includes Zuckerberg San Francisco General (a Level 1 trauma center), Laguna Honda Hospital and neighborhood primary care clinics, is one network worth checking before you pick a San Francisco plan. Source
- The San Francisco Department of Public Health serves the combined city and county, running population health services, behavioral health care and the San Francisco Health Network. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Call ahead
Office hours change around open enrollment, and many agencies book appointments during the busiest weeks. Calling ahead saves a wasted trip.
Why a walk-in office
An in-person meeting helps when your situation has moving parts: a household with mixed coverage, self-employment income that changes, or a doctor you need to keep.
What to bring
Photo ID, Social Security numbers for everyone applying, a recent pay stub or income estimate, and a list of your doctors and prescriptions.
How to get ready
- Write down the enrollment deadline and confirm your first premium payment.
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
Checking an agent's license in California
- California offers a free online Check a License tool from the Department of Insurance. You can search by license number or name to see an agent's or broker's license status and any disciplinary history. Source
Frequently asked questions
Do I need an appointment?
Not always, but many offices near San Francisco book appointments during open enrollment (Nov 1 to January 31 on the Covered California). Calling first is the safest bet.
What if an office I visited won't renew my plan?
Any licensed agent certified with the marketplace can help you switch plans or renew at open enrollment.
Can I do everything by phone instead?
Yes. Licensed agents can quote, enroll and send documents electronically, which is how most people enroll today.
Agencies & offices in nearby cities
- Tamalpais-Homestead Valley, CA 10 miles
- Strawberry, CA 10 miles
- Pacifica, CA 10 miles
- Millbrae, CA 11 miles
- Mill Valley, CA 12 miles
- Albany, CA 12 miles
- Berkeley, CA 12 miles
- Corte Madera, CA 12 miles
- Burlingame, CA 12 miles
- Piedmont, CA 13 miles