Business Details
18 Years
experience
Emergency
services
Affordable Health & Dental Insurance in Los Angeles
At Solid Health Insurance, we are dedicated to helping individuals, families, and small businesses find affordable and comprehensive insurance solutions tailored to their unique needs. Founded in 2008, our agency has built a reputation for providing personalized service, leveraging over two decades of combined industry expertise to navigate the complexities of health, life, and long-term care insurance. Our consultative approach ensures clients understand their options, from Covered California plans to private policies, while maximizing financial subsidies and minimizing out-of-pocket costs.We prioritize transparency, ethical guidance, and ongoing support, ensuring clients feel confident in their coverage decisions. With a deep understanding of evolving regulations and carrier networks, we simplify the insurance process, protect hard-earned assets, and empower clients to focus on their personal and professional goals.
Services
Health Insurance
Life Insurance
Dental Insurance
Medicare Plans
Supplemental Insurance
Small Business Insurance
Vision Insurance
Travel Insurance
Long-Term Care
HSA Accounts
Details
- Year established: 2008
Highlights and features
- We offer personalized insurance consultations tailored to your unique needs.
- Our team has 25+ years of experience navigating complex insurance markets.
- We specialize in maximizing federal subsidies and minimizing out-of-pocket costs.
- We provide unbiased comparisons across 19 California rating areas and carriers.
- Our clients receive ongoing support for policy renewals and network verification.
What people say
Helpful, responsive, and caring service
Exceptional knowledge of insurance laws
Simplified complex insurance decisions
Timely and thorough plan explanations
Saved money through honest advice
Services
Health Insurance
We help clients navigate individual and family health insurance options, including Covered California plans and private policies. Our experts compare metal-tier plans (Platinum to Bronze), verify provider networks, and ensure compliance with ACA requirements. We specialize in identifying subsidies, optimizing deductibles, and explaining out-of-pocket maximums to match your medical needs and budget.
Life Insurance
Our life insurance services include term and permanent policy comparisons from carriers like Transamerica and Genworth. We assess clients' financial obligations, dependents' needs, and long-term goals to recommend coverage amounts. We also explain policy riders, underwriting processes, and premium affordability based on age and health status.
Dental Insurance
We offer dental insurance solutions from Delta Dental and Ameritas, covering preventive care, major procedures, and orthodontics. Our team explains waiting periods, annual maximums, and in-network provider options. We emphasize preventive care benefits and cost savings for routine checkups and emergency dental services.
Medicare Plans
We assist with Medicare Advantage (Part C), Prescription Drug Plans (Part D), and Supplemental Insurance. Our experts compare carrier networks (e.g., UnitedHealthcare, Aetna), explain enrollment periods, and clarify coverage gaps. We prioritize plans that align with clients' prescription needs and preferred healthcare providers.
Small Business Insurance
We design affordable group health and dental plans for small businesses, including SHOP marketplace options and CalChoice programs. Our services include employee census analysis, budget planning, and compliance guidance for ERISA requirements. We help employers attract talent while managing premium costs and deductible structures.
People
Barbara Kempen
Owner
Barbara Kempen founded Solid Health Insurance in 2008 after five years managing insurance for a manufacturing company. With 25 years of Los Angeles-based expertise, she specializes in personalized insurance consultations, focusing on health, life, and supplemental coverage. Her consultative approach simplifies complex insurance decisions while prioritizing client asset protection.
Nick Bartuzik
Insurance Broker
Nick Bartuzik has served as a health and dental insurance broker for over three years, known for his responsiveness and detailed client support. He specializes in explaining plan nuances, resolving billing issues, and providing post-enrollment assistance. Clients praise his patient, thorough approach to finding affordable coverage solutions.
Questions
How do I qualify for health insurance subsidies in California?
Subsidies depend on household income relative to the Federal Poverty Level (FPL). Individuals earning up to 600% of FPL may qualify. We help calculate eligibility and apply for cost-sharing reductions.
What's the difference between HMO and PPO plans?
HMO plans require primary care physicians and referrals for specialists, while PPOs allow direct specialist access. PPOs typically have higher premiums but broader network flexibility. We explain network specifics for each carrier.
Can I keep my current doctor with a new insurance plan?
We verify provider networks for all recommended plans. Each carrier (e.g., Blue Shield, Kaiser) has unique networks, so we ensure your preferred doctors and hospitals are included before enrollment.
What are the benefits of supplemental insurance?
Supplemental policies cover critical illnesses, accidents, or dental/vision needs not fully covered by major medical plans. We recommend options like critical illness riders to protect against unexpected out-of-pocket costs.
How do I compare health insurance deductibles?
We explain deductible tradeoffs: Bronze plans have $6,300+ deductibles but lower premiums, while Platinum plans cover 90% of costs after smaller deductibles. We help balance premium costs with expected medical usage.
What small business insurance options exist in California?
We offer SHOP marketplace plans, CalChoice programs, and direct carrier group policies. Our services include budget planning, employee census analysis, and compliance guidance for employers seeking affordable, compliant coverage.
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