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Options that work for you
Individual Plans

When it comes to insuring your household, you don’t want to be just a number or an anonymous voice. You want options that are unique and tailored to your resources and what you need.

We are on your side to find a plan that represents your best interests, and navigate the complex worlds of coverage and health care reform to present options that work for you and are easy to understand.

Whether you already have coverage, or are getting coverage for the first time, you will want to know about the new coverage plans under the Affordable Care Act and new rules behind those plans. Individuals will be required to purchase health insurance. We can help you find out if you qualify for a federal subsidy by purchasing your insurance coverage through “Covered California”, California’s online health insurance marketplace. If you don’t qualify for a subsidy, we’ll still be able to find you a plan that works for you, not the insurance company.

CASE STUDY: Individuals Can Find Deals, Too!
One of my clients just quit her job to stay home with her newborn. Her existing insurance options weren’t appealing—both COBRA and her husband’s group insurance plan were unaffordable. After some research and analysis, we found a great deal. We were able to get her underwritten on her own individual plan, along with the baby, at a fraction of the cost of her existing options. I always say that the deals are out there, you just have to know how to find them.

Our Service Pledge:

We promise to take a consultative approach to finding you the best insurance solutions for you or your business. We will:

  1. Review your current coverage and research insurance plans that meet your goals, needs and budget.
  2. Present plans in easy to understand terms and make recommendations.
  3. Thoroughly explain the plan features and their potential impact.
  4. Work side by side with you to complete the application process.
  5. Provide continuous follow up support to answer questions about coverage, doctors, membership cards, etc.
  6. Monitor your plan to make sure you are still getting the best deal and coverage.
  7. Review your plan annually to ensure your continued satisfaction.
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Helena Ruffin, Company President

To say we were confused by the Affordable Care Act would be an
understatement. In fact, our very own insurance company was so confused that
we found ourselves inexplicably uninsured and coverage-less for the first
time in our lives, despite requesting one of the highest tiers of coverage
available. Confused, uninsured and pregnant with our first child we found
solace in a knowledgeable, caring and professional team of advocates with
the Ruffin Insurance team of Helena and Lindsay.

John Petrick, Perennial Financial Services