Health Insurance for Individuals and Families

Your health is one of your most valuable assets — and protecting it shouldn’t be complicated or out of reach. If you're under 65 and need reliable health insurance, there are affordable options available through the Affordable Care Act (ACA). Whether you're between jobs, self-employed, or just looking for better coverage, you deserve a plan that fits your life.

Michael Villa helps individuals and families navigate the ACA marketplace with clarity and confidence. We’ll guide you through your options, help you understand your benefits, and make sure you get the coverage that makes sense for your needs and budget. Health insurance is more than a safety net — it’s peace of mind for today and protection for tomorrow.

Lower Costs with Subsidies

Many people qualify for financial help through ACA plans — often much more than they expect. Premium subsidies are based on your income and household size, which can significantly reduce your monthly payments. In some cases, you may even qualify for $0 premium plans. Health coverage shouldn’t be a luxury, and subsidies help make it accessible for more individuals and families.

Extra Benefits Beyond Basic Care

ACA plans cover much more than just doctor visits and hospital stays. Many plans include additional benefits like dental, vision, mental health services, and even wellness programs. These added features help you take care of your whole health — not just when you’re sick, but to keep you feeling your best. It's comprehensive care, built for real life.

No Denials

One of the most important protections under the ACA is that insurance companies can’t deny you coverage or charge you more because of pre-existing conditions. Whether you’re managing diabetes, asthma, or recovering from a serious illness, you’re still eligible for coverage. Your health history shouldn't be a barrier to getting the care you need. With ACA plans, everyone gets a fair chance.

Why A Personalized Health Plan?

Health insurance isn’t just about preparing for the worst — it’s about having the freedom to get care when you need it, without the fear of overwhelming bills. ACA plans offer comprehensive benefits, predictable costs, and access to quality providers. Whether you're between jobs, self-employed, or just looking for better options, the right plan can make a real difference in your everyday life. It's not just insurance — it's peace of mind, tailored to you.

Read Reviews From Happy Customers.

When accidents happen, it's important to have the right insurance. Your home and all that is inside of it are protected from damage by having this type protection plan in place.

Colleen N

Satisfied Customer

The team at The California Insurance Agency is more than just an agency. They are your trusted advisor, ready with the information and resources needed to make sure you’re getting ahead in this competitive industry!

Kaydi S

Satisfied Customer

When accidents happen, it's important to have the right insurance. Your home and all that is inside of it are protected from damage by having this type protection plan in place.