This website is owned and maintained by the Bacaltos Insurance Agency which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail/phones that appear throughout this site belong to the Bacaltos Insurance Agency and cannot be used to contact Covered California.

Bacaltos Insurance Agency

UPDATE - 11/18/2023

Use the shop/compare tool at coveredca.com to look at available plans and pricing. There will now be premium subsidy for those households exceeding the income limits. They will now only pay premium up to the maximum of 8.5% of gross income based on the second-lowest-cost Silver plan in their area.

2024 OPen Enrollment - RENEWING CLIENTS (POSTED 11/18/2023)

Open enrollment for 2024 starts November 1st. This is the time when you can make changes to your plan such as upgrading from bronze to silver as well as updating any household information (address, income, etc.) Send me an email to confirm no change or to update your income and household information as soon as possible. Remember, your household income determines your premium assistance that is available only through Covered California. Plans and pricing for 2024 are now available at coveredca.com. Click on Get Started/Health (on top), then Shop and Compare.

2024 OPEN ENROLLMENT - new or re-enrolling (posted 11/18/2023

Plan and pricing information are available at coveredca.com (click on Get Started/Health, then Shop/Compare and provide the necessary information to view all available plans, benefits and monthly subsidized pricing.) Email me when you have made a selection or if you need quotes. Currently, Kaiser Permanente (HMO) and Blue Shield of California (PPO) are the only carriers I am able to market in my service areas in the Bay Area (subject to change.)

2024 vision coverage (POSTED 11/18/2023)

VSP now offers affordable vision plans for you and your family. Check out their rates and enroll at this site. You can enroll at any time.

2024 DENTAL COVERAGE (POSTED 11/18/2023)

The cheapest plan is the dental HMO (DHMO) plan offered by Caldental that can be added to your health plan at time of enrollment. Monthly premium for an individual is less than $8.00. More information is available at their website - www.caldental.net.