Health coverage that flows with your life.
Private PPO coverage with real help from a licensed California advisor — free, year-round enrollment, zero pressure. Answers in minutes, not days.
How many people in your household need health insurance coverage?
Including yourself.
Compare real quotes from carriers like
Calm waters in a confusing market.
Real options. Real advisors. Zero pressure.
No countdown timers, no urgency scripts, no lead-selling. Answer three quick questions and a licensed California advisor reaches out to help with whatever you need — free, and on your schedule.
Real families. Real savings.
Coverage that fits how you actually live.
Licensed advisors
Year-round enrollment
Never lead-sold
Three steps. Zero pressure.
No documents, no waiting on hold, no bait. You see real numbers first and decide what happens next.
Tell us about you
Answer a few quick questions — household, health, timing. Takes about 30 seconds, no personal documents needed.
An advisor reaches out
One licensed California advisor gives you a call to talk through what you need. No spam, no lead-selling, no fifty robocalls.
Enroll with a licensed advisor
From there your advisor handles whatever you need — plans, doctor networks, enrollment. All of it free.
Ready when you are — it's free either way.
Other quote sites vs. PHS
Same industry. Completely different playbook.
What you get up front
Typical quote sites
A form that exists to capture your phone number
Pacific Health
Three quick questions, then one real advisor
Who calls you
Typical quote sites
Your info is sold to a lead marketplace — dozens of brokers call
Pacific Health
One licensed advisor. Nobody else, ever
Enrollment window
Typical quote sites
Often pushed toward annual open enrollment
Pacific Health
Year-round enrollment on qualifying plans
Plan comparison
Typical quote sites
A single 'best plan' pitch
Pacific Health
Side-by-side quotes from 6+ major carriers
Doctor check
Typical quote sites
Find out after you enroll
Pacific Health
In-network check for your doctors before you sign
Cost to you
Typical quote sites
Free (but you're the product)
Pacific Health
Free — advisors are paid by carriers, never by you
Pressure level
Typical quote sites
Countdown timers, urgency scripts
Pacific Health
No pressure. Take your options and think it over
| What matters | Typical quote sites | Pacific Healthcare Savings |
|---|---|---|
| What you get up front | A form that exists to capture your phone number | Three quick questions, then one real advisor |
| Who calls you | Your info is sold to a lead marketplace — dozens of brokers call | One licensed advisor. Nobody else, ever |
| Enrollment window | Often pushed toward annual open enrollment | Year-round enrollment on qualifying plans |
| Plan comparison | A single 'best plan' pitch | Side-by-side quotes from 6+ major carriers |
| Doctor check | Find out after you enroll | In-network check for your doctors before you sign |
| Cost to you | Free (but you're the product) | Free — advisors are paid by carriers, never by you |
| Pressure level | Countdown timers, urgency scripts | No pressure. Take your options and think it over |
| Same industry. Completely different playbook. | ||
Built for the people the system overlooks.
Self-Employed & 1099
No group plan? No problem. Private PPO options built for independent earners.
Families
Cover the whole household with one plan and one predictable monthly cost.
Early Retirees
Bridge the gap to Medicare without paying COBRA-level premiums.
COBRA Alternatives
Leaving a job doesn't mean overpaying. Compare options in minutes.
Gig & Contract Workers
Rideshare, freelance, trades — coverage that moves as fast as you do.
Small Business Owners
Protect yourself and your team without enterprise-sized overhead.
The tide turns fast.
“Quoted $780/mo on the Marketplace with no subsidy. My advisor found a PPO at $410 with a lower deductible — and I kept my doctor.”
Marisa T.
San Diego, CA
“COBRA wanted $1,900 a month after I changed jobs. Our family of four was covered within a week for less than half of that.”
James R.
Sacramento, CA
“Nobody ever explained the difference between plans before. Fifteen minutes on the phone and I finally understood what I was buying.”
Daniel O.
Fresno, CA
“No endless forms, no runaround. Three quick questions and a real advisor called with real options. These people operate differently from every other quote site.”
Katherine W.
Los Angeles, CA
“Retired at 62 and needed a bridge to Medicare. My advisor found a PPO that costs less than my old employer plan did.”
Robert H.
Irvine, CA
“As a freelancer I put off insurance for two years because it felt impossible. This took one short call. Wish I'd done it sooner.”
Emily S.
Oakland, CA
“One advisor, one phone call, zero robocalls afterward. Exactly what they promised, which frankly shocked me.”
Michael B.
San Jose, CA
“They checked that my kids' pediatrician was in-network before I signed anything. Small thing, huge peace of mind.”
Sarah K.
Pasadena, CA
“Left my W-2 job to start a business. My PPO costs $340 less per month than COBRA would have — same hospital network.”
Thomas G.
Riverside, CA
“My advisor quoted $385 on our first call and that's exactly what I pay. Honest numbers up front — no bait and switch.”
Jennifer M.
Santa Rosa, CA
“I'm a 1099 contractor and open enrollment always slipped past me. Enrolled here in March, covered by the following Monday.”
David P.
Bakersfield, CA
“My advisor talked me OUT of a more expensive plan because I didn't need it. When does that ever happen?”
Ashley C.
Long Beach, CA
“Rideshare driver, no benefits. Now I've got a real PPO for less than my car payment. Took about 20 minutes total.”
Brian L.
Anaheim, CA
“After the divorce I had no idea where to start with insurance. My advisor was patient, clear, and never pushy.”
Amanda F.
Modesto, CA
“Compared four carriers side by side on one page. My old broker just emailed me a single PDF and said 'trust me.'”
Christopher D.
Santa Barbara, CA
“We split time between LA and Tahoe for work. The PPO network covers us in both — something the Marketplace plan couldn't do.”
Lauren B.
Temecula, CA
“Was skeptical of 'savings' sites. The difference here: they showed me the math before asking for anything. Saved $310/mo.”
Kevin N.
Burbank, CA
“Signed up my whole family — two adults, three kids — under one predictable monthly cost. Enrollment took two days.”
Rachel V.
San Francisco, CA
“Early retiree here. Bridging to Medicare felt like walking a tightrope. Now it's just a line item in the budget.”
Steven J.
Stockton, CA
“My quote call was with a licensed advisor, not a call-center script. She knew California networks inside and out.”
Nicole A.
Ventura, CA
“Small shop owner, five employees. Got myself covered and real advice on options for my crew — no enterprise upsell.”
Gregory E.
Chico, CA
“Lost employer coverage mid-year and panicked. Enrolled in a private PPO the same week — no waiting for January.”
Heather S.
Redding, CA
“The whole pitch was 'no pressure, no spam' and they actually meant it. Refreshingly honest process.”
Patrick M.
Palm Springs, CA
“I asked a dozen questions and never felt rushed. Ended up with better coverage than my old group plan for $260 less.”
Melissa R.
Santa Cruz, CA
“Quoted $780/mo on the Marketplace with no subsidy. My advisor found a PPO at $410 with a lower deductible — and I kept my doctor.”
Marisa T.
San Diego, CA
“COBRA wanted $1,900 a month after I changed jobs. Our family of four was covered within a week for less than half of that.”
James R.
Sacramento, CA
“Nobody ever explained the difference between plans before. Fifteen minutes on the phone and I finally understood what I was buying.”
Daniel O.
Fresno, CA
“No endless forms, no runaround. Three quick questions and a real advisor called with real options. These people operate differently from every other quote site.”
Katherine W.
Los Angeles, CA
“Retired at 62 and needed a bridge to Medicare. My advisor found a PPO that costs less than my old employer plan did.”
Robert H.
Irvine, CA
“As a freelancer I put off insurance for two years because it felt impossible. This took one short call. Wish I'd done it sooner.”
Emily S.
Oakland, CA
“One advisor, one phone call, zero robocalls afterward. Exactly what they promised, which frankly shocked me.”
Michael B.
San Jose, CA
“They checked that my kids' pediatrician was in-network before I signed anything. Small thing, huge peace of mind.”
Sarah K.
Pasadena, CA
“Left my W-2 job to start a business. My PPO costs $340 less per month than COBRA would have — same hospital network.”
Thomas G.
Riverside, CA
“My advisor quoted $385 on our first call and that's exactly what I pay. Honest numbers up front — no bait and switch.”
Jennifer M.
Santa Rosa, CA
“I'm a 1099 contractor and open enrollment always slipped past me. Enrolled here in March, covered by the following Monday.”
David P.
Bakersfield, CA
“My advisor talked me OUT of a more expensive plan because I didn't need it. When does that ever happen?”
Ashley C.
Long Beach, CA
“Rideshare driver, no benefits. Now I've got a real PPO for less than my car payment. Took about 20 minutes total.”
Brian L.
Anaheim, CA
“After the divorce I had no idea where to start with insurance. My advisor was patient, clear, and never pushy.”
Amanda F.
Modesto, CA
“Compared four carriers side by side on one page. My old broker just emailed me a single PDF and said 'trust me.'”
Christopher D.
Santa Barbara, CA
“We split time between LA and Tahoe for work. The PPO network covers us in both — something the Marketplace plan couldn't do.”
Lauren B.
Temecula, CA
“Was skeptical of 'savings' sites. The difference here: they showed me the math before asking for anything. Saved $310/mo.”
Kevin N.
Burbank, CA
“Signed up my whole family — two adults, three kids — under one predictable monthly cost. Enrollment took two days.”
Rachel V.
San Francisco, CA
“Early retiree here. Bridging to Medicare felt like walking a tightrope. Now it's just a line item in the budget.”
Steven J.
Stockton, CA
“My quote call was with a licensed advisor, not a call-center script. She knew California networks inside and out.”
Nicole A.
Ventura, CA
“Small shop owner, five employees. Got myself covered and real advice on options for my crew — no enterprise upsell.”
Gregory E.
Chico, CA
“Lost employer coverage mid-year and panicked. Enrolled in a private PPO the same week — no waiting for January.”
Heather S.
Redding, CA
“The whole pitch was 'no pressure, no spam' and they actually meant it. Refreshingly honest process.”
Patrick M.
Palm Springs, CA
“I asked a dozen questions and never felt rushed. Ended up with better coverage than my old group plan for $260 less.”
Melissa R.
Santa Cruz, CA
Questions people ask first.
Straight answers, no fine print. If yours isn't here, a licensed advisor will give it to you on the phone.
A private PPO plan is health coverage purchased directly through licensed advisors rather than the government Marketplace. PPO networks give you flexibility to see a broad range of doctors and specialists — often nationwide — without needing referrals.