CalHealthAgent
Painless Heath Insurance For Individuals
Health Insurance
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Get the right Covered California or private health plan for your needs and budget.
Medicare
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Navigate Medicare enrollment, Supplements, Advantage and Part D plans with expert guidance.
Life Insurance
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Secure your family’s future with term or whole life insurance.
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Long-Term Care Insurance
Plan for home care, assisted living, or nursing care expenses.
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About CalHealthAgent
A small, hard-working and highly personalized health insurance agency based in the San Francisco East Bay. Established in 2013, we focus on helping individuals and families select high quality, affordable medical, dental and Medicare insurance plans.
Lucy Marriner
California-licensed health and life insurance agent specializing in individual and family health plans
She joined CalHealthAgent to continue the family’s mission of making health insurance simple and accessible. Lucy helps clients find the best coverage while ensuring a stress-free enrollment process.
Karen Marriner, MBA, CLTC
California-licensed health and life insurance agent with over 25 years of experience
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She founded CalHealthAgent to help individuals and families find high-quality, affordable coverage, specializing in ACA subsidies and Medicare options.
Services
At CalHealthAgent, we make health and life insurance simple. Whether you’re looking for a new plan, need help with Medicare, or want to secure your family’s financial future, we’re here to guide you every step of the way.
Health Insurance
Finding the right health insurance can be overwhelming, but we make it easy. We help individuals and families enroll in:
Covered California plans
Get access to subsidies and tax credits to lower your monthly costs.
Private health insurance
Explore options beyond Covered CA for the best coverage fit.
Short-term & gap coverage
Stay protected during life transitions like job changes.
Not sure what you qualify for? We’ll help you compare plans, check subsidy eligibility, and ensure you get the best coverage for your needs.
Book a free consultation to explore your options.
Medicare
Navigating Medicare can be confusing, but we make it simple. We assist with:
Medicare Supplements (Medigap)
Cover costs like copays, coinsurance, and deductibles.
Part D Prescription Plans
Find the best plan for your medications.
Medicare Enrollment Help
We guide you through initial enrollment, plan changes, and renewals.
Medicare rules change every year—we’ll help you stay up to date and make informed decisions.
Book a consultation to review your Medicare options.
Life Insurance
Protect your loved ones with the right life insurance policy:
Term Life Insurance
Affordable coverage for a set period, ideal for young families and financial protection.
Whole Life Insurance
Lifetime coverage with cash value benefits.
Not sure how much coverage you need? We’ll help you determine the right amount to secure your family’s future.
Talk to us about life insurance today.
Long-Term Care
Planning for long-term care ensures you’re covered for:
Home care & assisted living
Stay independent with at-home care options.
Nursing home & skilled care coverage
Protect against rising healthcare costs.
Hybrid life insurance with long-term care benefits
Get coverage that works both ways.
Most health insurance and Medicare won’t cover long-term care. We’ll help you find a plan that ensures peace of mind.
Book a consultation to discuss long-term care options.
Real Stories
Hear from our happy clients! See what people are saying about their experience with CalHealthAgent and how we’ve helped them find the right coverage with ease and confidence.
Years Of Experience
Five Star Reviews
Learn From Us
Empower Yourself with Knowledge – Explore our video library and guides to better understand health insurance, Medicare, and financial protection, so you can make confident, informed decisions about your coverage.
Health Savings Accounts Explained
Learn how Health Savings Accounts (HSAs) work, their tax benefits, and how they help you save for medical expenses.
Medicare Alphabet Soup
Get the latest on Medicare subsidies, who qualifies, and how they can lower your health insurance costs.
First Health Insurance for Young Adults
Learn the basics—from choosing a plan to understanding premiums, deductibles, and coverage.
Get In Touch
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