Business Details
Your Trusted Insurance Partner in Alameda, CA
Caffrey Insurance is a family-founded employee benefits brokerage firm with decades of industry experience. We specialize in health insurance solutions for small businesses (1-100 employees) and individuals seeking comprehensive coverage. Our team provides expert guidance through the complexities of health insurance plans, offering free services paid by insurance vendors. We maintain deep expertise in Affordable Care Act regulations and provide value-added resources like HR tools and custom enrollment portals.Our approach focuses on listening to client needs, researching available plans, and presenting tailored alternatives without additional costs. With a strong commitment to the San Francisco Bay Area, we serve California businesses and individuals while prioritizing personalized service and long-term client relationships.
Services
Health Insurance
Dental Insurance
Vision Insurance
Medicare Supplement
Life Insurance
Disability Insurance
Medicare Advantage
Prescription Drug Plans
Ancillary Coverage
Small Business Benefits
Highlights and features
- We offer free broker services paid by insurance vendors
- 42 years of industry experience guiding small business owners
- Specialized expertise in Affordable Care Act compliance
- Provide HR tools and enrollment portals at no extra cost
- Local focus serving San Francisco Bay Area businesses
What people say
Super helpful
Efficient, care, honesty
Break it down so the average joe can understand
Best health insurance broker
No hassles, great assistance
Services
Small Business Insurance
We provide comprehensive health insurance solutions for small businesses with 2-100 employees. Our services include plan comparison, enrollment management portals, and HR resource access. We help businesses meet ACA requirements while finding cost-effective coverage options that attract and retain talent.
Medicare Solutions
Our Medicare expertise helps seniors navigate Supplement (Medigap) and Advantage plan options. We explain Part D prescription coverage, 'donut hole' implications, and enrollment timelines to ensure comprehensive healthcare protection during retirement years.
Individual Insurance
We assist individuals and families with ACA-compliant health insurance plans through Covered California and private carriers. Our services include subsidy qualification analysis and guidance through open enrollment periods to ensure continuous coverage.
Ancillary Benefits
We offer dental, vision, life, and disability insurance solutions that complement primary health coverage. These plans provide comprehensive protection against unexpected medical expenses and income loss while maintaining ACA compliance.
HR Resources
We provide access to free or low-cost HR tools including online account management systems and custom enrollment portals. These resources streamline benefits administration for small businesses while ensuring regulatory compliance.
People
Gabriel Caffrey
President
Insurance expert with deep ACA knowledge, specializing in making complex plans accessible to small businesses and individuals. Provides strategic leadership for Caffrey Insurance.
Lynn Caffrey
Founder
42-year industry veteran who established the company's compassionate approach to insurance brokerage. Recognized as a top health insurance broker in the East Bay region.
Questions
What constitutes a group for company health plans?
A group requires at least 2 W-2 employees, with at least one non-related owner. Partner-only businesses no longer qualify under ACA regulations.
When can I buy health insurance outside open enrollment?
Qualifying life events like job loss, income changes, or family status changes allow enrollment outside standard periods. Documentation is required.
How do deductibles work with health plans?
Deductibles vary by plan. You pay this amount upfront before insurance coverage begins, though basic medical visits often have copays instead.
Can I reimburse employees for individual market plans?
Standard reimbursement is prohibited under ACA. However, Qualified Small Employer HRAs may be used as an alternative compliance strategy.
What Medicare coverage options exist for seniors?
We offer Medicare Supplement (Medigap) plans for nationwide provider access and Medicare Advantage HMO plans. We also assist with Part D prescription coverage.
