Affordable health coverage for Oakland families — without the runaround.
Whether you're enrolling through Covered California, switching off a group plan, or adding family members, a licensed Oakland broker will walk you through every option in plain English.
Covered Californian plans, Bay Area providers, real human guidance.
Health insurance shouldn't feel like a second job. At CCAO Insurance Agency, we sit across from Oakland residents every week who've spent hours on hold with carriers, only to end up with a plan that doesn't cover their doctor or their kid's prescription.
We do the comparison work for you — across PPOs, HMOs, EPOs, and Covered California subsidized plans — and recommend the coverage that actually fits your providers, your budget, and your family.
The headaches that bring people in.
Premiums keep climbing — and the network keeps shrinking.
You renew on autopilot and discover your pediatrician at UCSF Benioff or Highland is suddenly out of network. We rebuild your plan around the providers you actually use.
Covered California is confusing.
Tax credits, metal tiers, special enrollment — most Oakland families overpay by hundreds a month because the website doesn't explain what they qualify for. We do, in one phone call.
You're self-employed and paying full freight.
Freelancers, gig workers, and small business owners across the Bay Area routinely overspend on individual plans. There are better structures — we'll find them.
Your employer plan ends in 30 days.
COBRA is rarely the right answer. We move fast on Special Enrollment Periods so you're never uninsured between jobs.
Talk to an Oakland health insurance broker today.
A licensed advisor will compare carriers and walk you through your options — typically in under 15 minutes by phone.
How we solve it.
We're an independent, locally licensed brokerage on International Boulevard, which means we represent you — not a single carrier. We quote across Blue Shield of California, Anthem, Kaiser Permanente, Health Net, Sutter, and the full Covered California marketplace, then walk you through the trade-offs.
Our enrollment process is built for working Oakland residents: most quotes happen by phone or in-office in under 30 minutes, and we handle the paperwork, ID cards, and follow-ups end-to-end.
- ✦Oakland families enrolling or re-enrolling through Covered California
- ✦Self-employed professionals and freelancers across the Bay Area
- ✦Recent retirees aging into Medicare who still need spousal coverage
- ✦Small business owners offering coverage to their team
- ✦Anyone who lost employer coverage and needs a Special Enrollment Period plan
What you actually get.
Real subsidy math.
We model your premium tax credit before you enroll, not after, so the price you see is the price you pay.
Bay Area network expertise.
We know which Oakland and East Bay providers contract with which carriers — Sutter Alta Bates, Kaiser Oakland, UCSF, John Muir, and Stanford Health.
Bilingual service.
Our team serves Oakland's diverse communities in English and Spanish, with Cantonese available by appointment.
No cost to you.
Brokers are paid by carriers at the same rate whether you enroll direct or through us. You get expert help free.
From first call to covered.
Tell us about your doctors, prescriptions, and budget. We listen first.
We quote 3–5 plans with real network and drug-formulary checks.
Sign electronically, get your ID card, and we file every form.
Claims questions, ID card replacements, renewals — same number, same person.
From the Fruitvale district to Rockridge, we serve health insurance clients across every Oakland ZIP code and the surrounding East Bay. Our office on International Boulevard is a short walk from the Fruitvale BART, and we offer in-person, phone, and Zoom appointments.
A Silver-tier Covered California plan in Alameda County averages $450–$650/month before subsidies for a single adult. With premium tax credits, most Oakland households we work with pay between $0 and $300/month.
Often paired with Health Insurance.
Get your health insurance quote today.
A licensed Oakland broker will walk you through every option — by phone, in-office, or over Zoom. Most quotes take under 15 minutes.