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Our Services
Health & Benefits
Individual, family, and employer group health, dental, and vision coverage — navigated by a trusted California broker.
Coverage That Fits Your Life
Navigating California's health insurance landscape can be overwhelming — dozens of plans, carriers, and networks, each with different costs and trade-offs. Palmer Financial cuts through the noise.
As an independent broker, we work for you — not the insurance companies. We compare plans across California's top carriers and help you choose coverage that fits your health needs, preferred doctors, and budget.
- Individual and family health plans through Covered California
- Employer group health plans for small and mid-size businesses
- Dental coverage for preventive, basic, and major services
- Vision coverage including exams, glasses, and contacts
- Access to California's top carrier networks
- Year-round enrollment guidance and plan comparisons
Coverage Options
Individual & Family Health
Comprehensive medical coverage for individuals and families — including HMO, PPO, and EPO plans from California's leading carriers. We help you find the right fit for your needs and budget.
Employer Group Benefits
Attract and retain top talent with a competitive employee benefits package. We design group health, dental, and vision plans for small and mid-size California businesses.
Dental Insurance
Standalone or bundled dental plans covering preventive care, fillings, crowns, and orthodontics. Keep your team and family smiling without breaking the budget.
Vision Insurance
Affordable vision plans covering annual eye exams, prescription glasses, and contact lenses. A simple add-on that employees and families genuinely use.
Why Use an Independent Broker?
Unlike agents who represent a single carrier, Palmer Financial is an independent broker. That means we shop the entire California market on your behalf — comparing premiums, networks, deductibles, and out-of-pocket maximums to find the plan that truly fits.
And our service doesn't stop at enrollment. We're here year-round to answer questions, help with claims issues, and review your coverage at renewal.
Common Questions
Health Insurance FAQ
Have a question not listed here? Contact us directly or call 559-248-0542.