Individual Insurance

Let us help you find coverage that’s just right for you. We make it easy to apply for Health, Covered California, Dental, Vision and Medicare Coverage in just minutes. Our goal is to save you time and money and make the process informative.

What type of coverage do you need?

Covered California

Individual Medical


Dental / Vision


We want to do the work for you. We’ll make sure your application is approved and that you have the documents you need to get your subsidy. We make it easy by finding the perfect plan based on your location, income and household.

By assigning us as agent in the “Find Help Near You” section of your account by selecting “HIGGINS” you add an advocate for you at no extra cost.

Individual Medical Insurance

If you are a resident of Santa Barbara County, you have access to Blue Shield of California. If you live outside the county contact us for a quote.

Individual Dental / Vision

Let us make you smile and help you choose your Dental and Vision plans. These plans are popular in our area.


Congratulations! You’re nearing 65, which means you are eligible for a comprehensive Medicare program. We educate clients on all of the moving parts of Medicare including A, B, D and F. After you meet with us, you’ll know what this means.

We do not offer every plan available in your area. Currently we represent three organizations which offer fifteen Medicare Supplement products and one Medicare Advantage product in your area. You can always visit , contact 1-800-MEDICARE by phone, or contact your local State Health Insurance Program (SHIP) online or by phone at 1-800-434-0222 for help with plan choices. Any information we provide is limited to those plans we do offer in your area.

“I had a wonderful experience selecting a health insurance plan with them. There is so much information to understand, and they made it so much easier, saved me money, and were patient with me. Can’t recommend them enough.”

- Kris Washburn