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Individual and Family Health Insurance with Federal Subsidies

Affordable individual & family HMO, PPO, EPO, HSA health
insurance plans.

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Individual and Family Health Insurance without Federal Subsidies

We have a large variety of low cost Individual & Family HMO or PPO plans on the private market.

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Affordable Dental Insurance Plans

A health smile starts here with low premiums and great
coverage.

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Small Group Health Insurance

Your goal is to attract and retain the brightest talent and develop the most dynamic company culture.

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We’ve Located 50+ Health Plans and Discounts Near You

8 Gold Plans

  • Higher premiums/copays
  • In network doctors
  • 80% of services covered

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5 Short Term Plans

  • Low monthly rates
  • No enrollment period
  • Next day coverage

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13 Silver Plans

  • Moderate premiums/copays
  • In network doctors
  • 70% of services covered

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5 PPO Plans

  • Higher out-of-pocket costs
  • Your choice of providers
  • Varying % of services covered

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11 Bronze Plans

  • Low premiums/copays
  • In network doctors
  • 60% of services covered

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4 HMO Plans

  • Low premiums/copays
  • In network doctors
  • 100% of services covered

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Covered California

We assist individuals and employers in determining which insurance plan is appropriate based on their budget and needs. Furthermore, we help each client determine their most accurate current income that will determine the proper Tax Credits to help pay their insurance premium. We present each client with plan options from a range of coverage and insurers and enroll them into a plan.

Question: Can I insure my 23 year old daughter?

Yes:If your daughter is listed as a dependant on your tax return and does not file her own taxes.

Question:What does the Affordable Care Act require of me?

The Affordable Care Act is also known as Obamacare. People who fill out a Federal Income Tax form MUST maintain health insurance for themselves and their dependents. Those who don’t will pay a fine.

Question: What if I can’t afford health insurance?

Individuals and families whose income falls below the level set by the Federal Government will be insured with Medi-Cal.If you are not sure if you qualify for Medi-Cal, call us and we will let you know.>

We’ll Find You The Perfect Plan

Every family is unique, and we are experts at building a portfolio to perfectly fit all your needs. Contact one of our qualified Insurance Agents Contact one of our qualified Insurance Agents now to find the right Plan whether it be for home or business.

We Work With Your Budget

We understand that every dollar counts. You deserve the highest quality of insurance products for the best price.Choose from a list of the best Carriers and Products on this website or contact us for a customized Insurance Assessment today!

Easy & Online!

Easy as 1-2-3! Simply click on your product choice, fill out the application, and check out. Feel free to contact us with any questions

KTimeHR Insurance Services went above and beyond what any other agent would do to help me negotiate through the confusing process of finding the right health insurance, even though I had a difficult case and it took time and extra care.

Diana Davis

I just want to say that KTimeHR Insurance Services helped me through this life insurance process and made it easier than I thought it would be, even when I had so many changes.

Susan Melling

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Call or Text: (949) 331-1199