What does coverage cost in Santa Cruz? 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.
There are 36 health insurance agencies within 25 miles of Santa Cruz, CA. The 15 listed here are the closest local agents, from single-agent offices to larger agencies, sorted by distance from the center of Santa Cruz.
Health Insurance Agents near Santa Cruz
Licensed agents can compare plans available in Santa Cruz County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Questions to ask before you choose
Which carriers can you quote in Santa Cruz 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.
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
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
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
How many agencies are near Santa Cruz?
Our listings show 36 health insurance agencies within 25 miles of Santa Cruz and 130 within 50 miles.
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.
Agents in nearby cities
- Soquel, CA 5 miles
- Scotts Valley, CA 5 miles
- Ben Lomond, CA 7 miles
- Aptos, CA 8 miles
- Rio del Mar, CA 9 miles
- Boulder Creek, CA 12 miles
- Watsonville, CA 15 miles
- Interlaken, CA 17 miles
- Los Gatos, CA 18 miles
- Saratoga, CA 20 miles