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Private health insurance in Santa Monica and Culver City, from a Santa Monica office. We’re at 1299 Ocean Ave, a short drive from Culver City, and help individuals, families, freelancers, and business owners compare private medical plans, off-exchange PPOs, and Covered California side by side. If your subsidy is small or gone, a private plan can often get you a stronger PPO network — including access to the Westside’s top hospitals — for a similar premium. Call our Santa Monica office at (310) 751-5850.
Santa Monica is in Los Angeles County, so for 2026 individual and family plans here come from Blue Shield of California, Health Net, Anthem Blue Cross, Kaiser Permanente, L.A. Care, and Molina.
UCLA’s Santa Monica hospital, part of one of the nation’s top-ranked academic systems.
Santa Monica’s other major hospital, home of the Saint John’s Cancer Institute.
Cedars-Sinai Medical Center and Ronald Reagan UCLA in Westwood for heart, cancer, transplant, and complex care.
Kaiser’s West L.A. Medical Center serves Westside members. Kaiser is sold only as its own HMO, never as part of a PPO network.
Whether these systems are in your network depends on the plan you choose, and it changes year to year. Before you enroll, we check your doctors and preferred hospitals against each plan’s current network.
Your exact premium depends on your age, ZIP code, and household size — which is why we quote every carrier, on- and off-exchange, before recommending anything.
Culver City residents get the same side-by-side comparison as Santa Monica clients — and the area’s hospitals, from Southern California Hospital at Culver City to Cedars-Sinai and Kaiser West L.A., are all a short drive away. From our Santa Monica office we also work with clients in Venice, Marina del Rey, Brentwood, West L.A., Pacific Palisades, Malibu, and Beverly Hills. Many are creatives, consultants, tech workers, and small-business owners — people who often earn too much for a meaningful Covered California subsidy, which is exactly when private medical plans and employer-level PPOs shine.
Traditional on- and off-exchange plans are not the only route. Many Santa Monica and Westside residents — especially the self-employed, independent contractors, and small-business owners — also qualify for true employer-level group coverage regulated under federal ERISA and Department of Labor rules. Qualifying as a bona fide employee takes only a few basic requirements — full-time work is not always required for some plan options — and pre-existing conditions are covered, just as with any employer group plan. These private PPO medical plans use nationwide networks like Cigna, Multiplan/PHCS, Aetna, First Choice Health, and in some states Blue Cross with national Blue Card, and enrollment is open year-round. Availability is subject to eligibility. Call us to see if you qualify.
It comes down to your subsidy. Covered California adds a surcharge to Silver plans sold on the exchange, so if you get little or no premium tax credit, the same (or a better) plan bought privately is often cheaper. If you qualify for meaningful savings, the marketplace usually wins. Since the enhanced federal subsidies expired at the end of 2025, many Westside households pay full price on the exchange without realizing a private plan could cost less. A quick side-by-side comparison settles it, and our help is free either way.
Yes. We’re at 1299 Ocean Ave, Santa Monica, CA 90401. Call (310) 751-5850 or (800) 939-3330, or book a phone or video appointment.
Many plans include one or both, but participation varies by plan and changes yearly. We verify your doctors and hospitals against each plan’s current network before you enroll.
Yes. Beyond on- and off-exchange plans, we offer exclusive employer-group (ERISA) private PPO options with nationwide networks like Cigna, Multiplan/PHCS, Aetna, and First Choice Health. Enrollment is open year-round, subject to eligibility.
For 2026, a 40-year-old in L.A. County’s Region 16 typically pays about $415 to $950 per month for a Silver plan before subsidies. Your price depends on age, ZIP code, and household size.
No. Premiums are identical with or without an agent — carriers pay us, not you.
We help individuals, families, and the self-employed across Santa Monica and the Westside compare private medical plans with Covered California. See the local guide for your area:
Compare Every Private & Covered California Plan at Your Santa Monica ZIP Code
Free comparison from a licensed California advisor — ACA, off-exchange, and employer-level coverage buy-in options.
Call (800) 939-3330 Get My Plan Options
Plus exclusive, proprietary private healthcare PPO options generally not published online — click Get My Plan Options or call us for details.
Rates shown are 2026 sample premiums from Covered California's published county data and vary by age, ZIP code, and household size. Westside cities are in L.A. County’s Region 16 pricing area. Employer-level group plan availability subject to eligibility requirements. Hospital and doctor participation varies by plan and changes yearly; we verify networks before you enroll.
