Independent insurance broker · California
Health insurance, with a real person on the line.
I’m Heidi Bounds. I compare plans from every major California carrier, help you enroll, and answer my own phone when you have a question. My help costs you nothing — the carriers pay me, and your premium is the same either way.
Call or text, Monday to Saturday — or start a quote online.
- CA License #0D30005
- NPN 4627414
- Covered California Certified Agent
- Certified Background Screened
Services
What can I help you with?
- Individual & Family HealthQuote and enroll with every major California carrier — Health Net, Blue Shield, Anthem, and Kaiser.
- MedicareThousands of California Medicare plans, and a 2026 plan review before the changes hit.
- Dental & VisionMutual of Omaha PPO plans from $31.82 a month, plus Cigna and Allstate options.
- Covered CaliforniaCertified enrollment help, and a check on whether you qualify for financial assistance.
- Critical IllnessCancer, heart attack, and critical illness plans that pay cash directly to you.
- Find a DoctorProvider directories for medical, dental, and mental health networks.
2026 Medicare changes
Medicare premiums are climbing in 2026. Don’t get caught off guard.
Part B premiums are up 11.6% and Part D is up 6%, and some Medicare Advantage plans are cutting extras like dental, vision, and gym memberships. A quick review now can protect your coverage and your wallet before the changes hit.
Review your Medicare optionsWhy call a broker first?
It costs you nothing
Brokers are paid by the insurance carriers. Your premium is exactly the same whether you enroll through me or directly — you just get help with it.
Every major carrier
Health Net, Blue Shield, Anthem, Kaiser, Mutual of Omaha, and more. I work for you, not for any one company.
One person, start to finish
No phone tree, no case numbers. The person who quotes your plan is the same person who answers when something comes up.
Ready when you are.
Enrollment windows come and go — questions are welcome any time of year.