What does coverage cost in San Francisco? Across California, the 2027 benchmark silver plan for a 40-year-old averages $655 a month before subsidies, compared with $704 nationally. Most marketplace shoppers pay less after the premium tax credit.
A local health insurance agent can walk you through plans sold in San Francisco County and help with enrollment, renewals and claims questions later. Below are the 15 agent offices nearest San Francisco.
Health Insurance Agents 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.
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Questions to ask before you choose
Which carriers can you quote in San Francisco County? Are you certified to enroll people through the Covered California? Will you help me at renewal next year?
What a local agent does
Agents licensed in California can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
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
- The California Department of Insurance licenses insurance agents and brokers and oversees insurers in the state. Consumers can file complaints with the department through its website. Source
Free enrollment help in California
Covered California certified enrollers and certified insurance agents give free in-person help through the Find Free Local Help tool; Covered California says help is always free. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can an agent help if I'm self-employed?
Yes. Agents work with 1099 and self-employed clients every day, including estimating income that changes from year to year.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
How many agencies are near San Francisco?
Our listings show 101 health insurance agencies within 25 miles of San Francisco and 220 within 50 miles.
Agents in nearby cities
- Tiburon, CA 9 miles
- San Bruno, CA 9 miles
- Alameda, CA 10 miles
- Emeryville, CA 10 miles
- 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