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San Diego Health Insurance Plans | Quotes, Compare, Apply, Fast!

Health Care Reform Enrollment In California

The initial open enrollment period for health care reform started on October 1st and ends on March 31, 2014. Time is running out to get your plan set up before open enrollment ends!

You have until until 3/15 for off exchange applications and CoveredCA applications that will start on 4/1. The last day to submit an application is 3/31 to get a 5/1 start date (you may be subject to a penalty if you don’t have coverage by 4/1). If you don’t submit by 3/31, you may not be able to get coverage at all. So act now.

If you have questions about health care reform, we’ve created a marketplace of our own here at SPF Insurance where you can find answer to your questions.

We’ve designed a new section on the website devoted to health care reform information, recommendations, and strategies you can use to minimize the impact of Obamacare. The starting point is the page: California Health Care Reform

This health care reform section is for YOU. We wrote this to be easy to understand, and we put in the highlights you need to know, and gave you more details about various topics on a deeper page. So you can read the content at the level of detail you want.

As always, let us know if something is not clear, or if there is other information you need. This section of the website will grow regularly as we add new content frequently. So come back again.

San Diego Health Insurance Quotes Made Easy

Health Insurance

Rates As Low As


SPF Insurance Services is an independent resource designed to help you quickly find a good solution for your San Diego Health, Dental, Life, and Long-Term Care Insurance needs. We provide quotes and an easy set of tools to enable you find the coverage that best fits your situation. This site will provide you with immediate results for Health Insurance Quotes, Dental Insurance Quotes Life Insurance Quotes, and Medicare Insurance Quotes.   You won’t receive calls from multiple agents trying to sell you “their medical policy”.  Some coverage types require more hand holding, so contact us to request Group Health Insurance Quotes, Long-Term Care Insurance Quotes, and Disability Insurance Quotes.

5 Steps to Get The San Diego Health Insurance Plan For You!

  1. Go to the Health Insurance Quote Information page, and read the entry “4 Keys to Understanding Health Insurance Plans”.
  2. Look at the Recommendation Table on the Health Insurance Quote Information page to determine which category describes your situation, and then review the specific plans that best fit people in that category.
  3. Run a Health Insurance Quote and click the “Check to Compare” boxes (in orange) beside the ones that were identified in the Recommendation Table and then click the “Compare” button to get a side by side view of the medical benefits.
  4. Choose the one that best fits your needs and budget.
  5. Then read the Application Tips before you click on the “Apply Now” button.


If you have any problems or questions, please call us and one of our Advisors would love to help you.


  See plans from all major health insurance companies in California. Get the best deal!


San Diego Health Insurance

Check Out Our Latest Analysis!

We’ve been busy putting together in-depth reports on Health Savings Account (HSA) health compatible coverage, and Baby health insurance. Each of the topics is covered with detailed recommendations and strategies to help you quickly get the information you need to make a good decision.

For California Health Savings Account health insurance we start with an overview of what HSA compatible health policies are, how they work, who they’re a good fit for, and which ones we recommend. Then we cover what the Health Savings Account is, how it works, and where you can set one up, along with additional information on what qualified medical expenses are.

Our most popular topics is on Baby Health Insurance in California. Here we start with the birth of the baby and help parents decide which policy to put their new baby on. Then we cover what baby and child health costs look like, what well baby care is, and make specific recommendations for different types of children.

Go ahead and check these out, and be sure to LET US KNOW WHAT YOU THINK!

We Are Experts On Maternity Insurance In California

At SPF Insurance, we believe that our recommendations need to be based on facts and analysis. Especially when we know that the medical coverage will be used to pay for “known” expenses. Maternity Insurance is a great example of this.

Couples preparing to have a child, already know that they will have prenatal medical expenses and delivery costs when the baby is born. These expenses tend to be very similar for each woman. What we’ve done is analyze the maternity costs of all medical plans, and then we provide our recommendations of the Top 5 Maternity Insurance Plans In California. Then we show you what the expected total medical costs will be for the pregnancy and delivery period.

We update the analysis whenever the health companies change the policies or pricing, so you will find the best maternity coverage options listed here.

San Diego Health Insurance

The Southern California and San Diego Health Insurance marketplace is served by all the major health carriers. The San Diego area is home to numerous research hospitals that provide state of the art health treatment technologies and modalities. The region also contains a variety of large medical groups, Scripps, Sharp, and Arch, that contain specialists in every field of medicine. By selecting your physician from a large medical group you can be assured of getting comprehensive attention for all your needs.

With a strong biotech industry, 3 large university systems, and 29 hospitals, the residents of San Diego have a wealth of medical options when it comes to using their health coverage. San Diego is truly “America’s Finest City” both in lifestyle and health infrastructure.

San Diego Individual Health Insurance, California

The San Diego lifestyle keeps people active and healthy. Surfing at the beaches, hiking the Cuyamaca mountains, biking on scenic trails scattered throughout the county, and eating locally grown health food gives people in San Diego a unique advantage over those that live almost anywhere else. The result of this is that San Diego individual health rates tend to be lower than most of the rest of California, and much lower than anywhere else in the US.

The best way to get individual health coverage is to follow the 5 step process outlined above. That way you get the full benefit of the knowledge and recommendations that are here in the website. If you have any questions, please call us at 858-613-3628, and one of our advisors will be glad to help you.


San Diego Family Health Insurance, California

San Diego is a great location to raise a family. The school system is above average (some districts are top ranked within the state), the economy is diverse and offers jobs of all types, in many industries, and with a wide range of skill and education levels, and the region is a hotbed of small entrepreneurial start-ups and family businesses.

Because of these small family businesses, the need to provide affordable family health insurance is vital. At SPF Insurance we pride ourselves on being able to help families find coverage that fit their specific needs.

Whether it be a new couple just beginning a family and looking for maternity health insurance, or a family with 2 children in high school that needs good benefits but keep the premium costs down, we can help you get the family health insurance you need and can afford.


Affordable San Diego Health Insurance

Shopping for affordable health insurance in San Diego is fairly easy, as there is a wealth of resources you can find here on this website. What’s affordable to one person, may be considered expensive to another, so you first have to decide what affordable means to you. The most common definition of affordable health insurance is it costs less than _________ (fill in your limit), the amount you can afford to pay.

Using this as the starting point, you can compare the affordable San Diego health quotes that are less than your upper limit. This can be done by running a health quote and then scanning down the list of options and checking the “compare” box next to the ones you are interested in.

There is always a trade-off between affordable San Diego health insurance and cheap San Diego health insurance. So you’ll want to make sure that the benefits offered will meet your needs. Be forewarned, cheaper is not always better. In maternity coverage, the lowest cost policies typically result in much higher total out-of-pocket expenses for the mother. However, high cost maternity coverage isn’t the best option either.

Price versus benefit analysis allows us at SPF Insurance to determine what health or maternity policy will provide the best cost and benefits

If you need some help or just want to bounce your ideas off a knowledgeable advisor, please give us a call.


San Diego Health Insurance Plans: Health Insurance San Diego

There are two primary types of San Diego health insurance plans available, Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO).

HMO Insurance

HMOs were initially started in the 70’s as a way for the health insurance industry and government to provide better medical services for individuals by having a primary care physician (PCP) ask as a central contact for all medical services delivered to a patient. Any special medical needs were coordinated through the PCP to ensure that the patient received the proper treatment.

This service delivery model still exists in today, in that each patient is required to select a PCP, and the PCP will refer the patient to a specialist if needed. HMOs are well suited to the large medical group organizations in San Diego County, because many of these medical groups have several hundred doctors within them, and at least one physician in each specialization.

For many people, an HMO has a negative stigma. People believe they are set up to prevent patients from getting the treatment they need. The PCP is seen as a gatekeeper, driven to minimize the service costs for each patient. This is not really the case, and HMOs using San Diego medical groups can actually seem more like a PPO in that the medical group can “internally refer” you to see a specialist within the medical group by speaking to a nurse.

PPO Insurance

Preferred Provider Organizations allow the patient to select which physician they see whenever they wish. If the patient decides to see an Orthopedic Surgeon because of an injury, they simply choose an Orthopedic Surgeon from the health company’s network of doctors. This freedom of choice makes PPOs very popular in the San Diego Medical Insurance marketplace.

The major health insurance companies in Southern California have extensive networks of PPO physicians, and many times it’s hard to find a doctor that does not take a medical plan from the major carriers, but it is still a good idea to make sure that your physician is in the network before you apply for a policy.

List of San Diego Health Insurance Carriers & San Diego Health Insurance Plans

Company Name Plan Family Name Deductibles
Open Access Managed Choice 1750,2750,3500,5000
Open Access Managed Choice Value 2500,5000,8000
Open Access Managed Choice High Deductible HSA 3500,5500
Preventive and Hospital Care(HSA) 2750
Anthem Blue Cross
ClearProtection 3300
CoreGuard 750,1500,2500,3500,5000
SmartSense 1000,2000,3500,6000
Tonic – Thrill Seeker 5000
Premier 1000,1500,2500,3500,5000,6000
PPO Share 3500,5000,7500
Lumenos 5950
HMOs Select, Saver, HMO
Blue Shield of California
Shield Wise 2500,3500,4500
Shield Secure 2000,4000,6000
Shield Secure Plus 2000,4000,6000
Shield Spectrum 5000, 5500
Shield Saver HSA 4000, 6000
HMO Access+, Access+Value
Celtic Basic 80/20 5000
CelticSaver HSA PPO 2600,5000
Open Access Value 1000,1500,2000,3000,5000
Open Access 1000,1500,2000,3000,5000
Health Savings(HSA) 1900,3400,4900
Health Net
PPO Advantage 3500, 6500
PPO Value 4500, 7500
HMO HMO 40, HMO Value 50
Kaiser Permanente
Deductible 500,1000,1500,2000,3000
HSA Deductible 1500,2700,4000,5000
Copayment(HMO Copay) 25,40,50
PCIP (Pre-Existing Condition Insurance Plan)
PCIP 1500



  San Diego health insurance quotes. Rates as low as $83. See your rates NOW!




Every health plan in California changed on July 1st to add maternity coverage and autism care. This video shows you what the changes were and what it means to you. You’ll also get some recommendations about which companies are potentially better choices now.

This update video is the first in a potential line of videos I’ll create when changes happen in the California health insurance marketplace. If you like this video write a comment to let me know, and “LIKE” this page just below here. If this is useful to people, then I’ll make this a regular occurrence.

16 Responses Post a comment
  1. Dan permalink
    June 12, 2013

    You ought to be a part of a contest for one of the most useful blogs on the net.
    I am going to highly recommend this web site!

  2. V Durant permalink
    January 31, 2013

    Thanks for the update on rate increases. We got a letter and using your website I found a better plan and applied.

    • February 1, 2013

      Hi Vince,
      Glad you found what you needed. We’ll let you know how your application is progressing.


  3. January 5, 2013

    This website is actually nice and helpful. I’m
    glad that you shared this useful info with us.
    I was looking to find your rss feed. Do you have one?

  4. Patty permalink
    December 22, 2012

    Hi Tim,
    Thanks for answering our questions about maternity plans. Now we know what plan to use. Your site has some great info on the best maternity insurance and I’m glad we found it.
    Thanks again
    Patty & David

    • December 24, 2012

      Thanks Patty,
      We try hard to be the best in what we do.
      Let us know if you have any questions when filling out the application.

  5. Bennie M permalink
    December 18, 2012

    Hi SPF. How can I get more details about the Health Net plans?

    • December 22, 2012


      You can get more info about the Health Net plans by clicking on the Health Net link in the table above that lists all the carrier’s plans and deductibles. For even more details, you can run a quote and then select a few of the Health Net plans (check box on the left side), then hit the “Compare” button, to get a side by side breakout showing the benefits of each plan side by side.
      Let us know if you need more help.


  6. Nelle permalink
    December 6, 2012

    Hmm is anyone else encountering problems with the pictures on this blog loading?
    I loved the update on the new health plans. This saved me a ton of time trying to
    compare them all. Now I’m focused on Health Net and Anthem. Thanks

    • December 15, 2012

      We had some server glitches on 12/6 so that might have caused the problem with the pictures. It should be fixed now.
      We’re glad you liked the video.

  7. W. Ruff permalink
    December 3, 2012

    Thanks for the update! I’ll make sure I’ve bookmarked your blog and come back sometime. Have a nice day!

  8. Ella Gresham permalink
    November 20, 2012

    I was real happy about this, cause I found exactly what I was looking for. You’ve ended my 4 day long hunt! God Bless you man. Have a great day.

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