Business Details
18 Years
experience
Your Trusted Insurance Partner in Los Angeles
Founded in 2008, Solid Health Insurance has established itself as a trusted partner in navigating the complex landscape of health, life, and long-term care insurance. Our team brings decades of combined experience in the insurance industry, specializing in personalized solutions for individuals, families, and small businesses. We pride ourselves on our consultative approach, ensuring clients understand their options while securing affordable coverage tailored to their unique needs. With deep expertise in Covered California and federal subsidy programs, we guide clients through the intricacies of insurance networks, deductibles, and benefit structures.Our commitment to transparency and client education has earned us a reputation for integrity, as evidenced by our numerous testimonials highlighting exceptional service and cost-saving results. As active members of the Santa Monica Chamber of Commerce and the German American Business Association, we remain dedicated to community engagement while maintaining rigorous professional standards in all our client interactions.
Services
Health Insurance
Dental Insurance
Life Insurance
Long Term Care
Medicare Plans
Group Insurance
Supplemental Insurance
Vision Insurance
Travel Insurance
HSA Accounts
Details
- Year established: 2008
Highlights and features
- We offer 15+ years of experience in health insurance brokerage services
- Our team provides personalized coverage comparisons across 19 California rating areas
- Specialists in Covered California subsidy eligibility and application processes
- We offer supplemental insurance options with transparent pricing structures
- Our agents maintain active participation in local business chambers and associations
What people say
Exceptional personalized service
Cost-saving expertise
Knowledgeable guidance
Timely responses
Proven results
Services
Health Insurance
We provide comprehensive health insurance solutions comparing plans from Anthem, Blue Shield, Kaiser Permanente, and other carriers. Our experts analyze network coverage, deductible structures, and subsidy eligibility to find optimal coverage. Clients benefit from our deep understanding of Covered California's evolving benefit designs and federal subsidy programs.
Life Insurance
Our life insurance services include term and permanent policy comparisons from Transamerica, Allianz, and Genworth. We help clients evaluate coverage amounts based on family needs and financial obligations. Our consultative approach ensures clients understand policy features and underwriting requirements.
Supplemental Insurance
We offer critical illness, accident, and hospital indemnity plans to complement primary health coverage. These plans provide cash benefits for deductibles, out-of-pocket expenses, or living costs during medical crises. Our team explains benefit structures and helps select appropriate coverage levels.
Medicare Solutions
Our Medicare services include Part D prescription plans and Supplemental policies from United Healthcare, Aetna, and Humana. We help clients navigate enrollment periods, coverage gaps, and network restrictions. Our expertise ensures clients maximize benefits while minimizing out-of-pocket costs.
Group Insurance
We specialize in group health, dental, and disability insurance for small businesses. Our services include plan comparisons, employee census analysis, and compliance guidance. Clients benefit from our ability to negotiate competitive rates while meeting organizational needs.
People
Barbara G. Kempen
Owner
With an MBA and 25+ years in business management, Barbara founded Solid Health Insurance in 2008. She specializes in personalized insurance solutions, leveraging her analytical skills to create optimal coverage packages for clients.
Nicholas Bartuzik
Licensed Agent
A UC San Diego graduate with 10+ years in insurance brokerage, Nick specializes in market analysis and client education. He brings competitive insights from his background in sales and healthcare trends monitoring.
Questions
How do I qualify for Covered California subsidies?
Subsidy eligibility depends on household income relative to federal poverty levels. Our agents calculate your modified adjusted gross income to determine qualification and estimated savings.
Can I keep my current doctor with new insurance?
We verify network inclusion for your preferred providers across all plans. Our analysis includes HMO, PPO, and EPO network structures to ensure continuity of care.
What's the difference between Bronze and Silver plans?
Bronze plans have lower premiums but higher out-of-pocket costs ($6,300 deductible), while Silver plans offer better cost-sharing (starting $10 drug deductible) at higher premium rates.
Do you offer group insurance for small businesses?
Yes, we provide customized group health, dental, and disability insurance solutions for businesses with 2-50 employees, including plan comparisons and compliance guidance.
How do supplemental insurance plans work?
Supplemental policies pay fixed benefits for specific events like hospitalization or critical illness. These cash benefits help cover deductibles, lost income, or other expenses not covered by primary insurance.
What happens if I miss open enrollment?
Qualifying life events like marriage or job loss allow special enrollment. Our agents help document these events and complete applications within 60 days of the qualifying event.
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