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Service Areas · Statewide California Coverage

📍 Licensed and Working All Across California

California is the Golden State: Pacific beaches, redwood forests, the Sierra Nevada, deserts, and farmland, all in one place. I’m Matthew Reilly, a licensed California health, life, and group insurance agent, and I help people and employers in all 58 counties.

Outline map of California showing all 58 counties

There is no place quite like California. You can surf in the morning, walk among redwoods or Sierra peaks in the afternoon, and watch the sun set over the Mojave Desert at night. From the beaches of San Diego County to the forests of Del Norte County, each of the 58 counties has its own character, its own employers, and its own mix of health plans. I’m licensed to help in every one of them. Pick your county below, or scroll down to see the symbols that make California the Golden State.

🌴 The Golden State at a Glance

Official California state symbols, as listed by the California Secretary of State.

Golden poppies, the California state flower

State flowerGolden poppy

California quail, the California state bird

State birdCalifornia quail

California grizzly bear specimen, the California state animal

State animalCalifornia grizzly bear

California redwoods, the California state tree

State treeCalifornia redwood

Garibaldi fish, the California state marine fish

State marine fishGaribaldi

Desert tortoise, the California state reptile

State reptileDesert tortoise

California dogface butterfly, the California state insect

State insectCalifornia dog-face butterfly

Benitoite crystals, the California state gemstone

State gemstoneBenitoite

Native gold, the California state mineral

State mineralNative gold

NicknameThe Golden State MottoEureka Song“I Love You, California” ColorsBlue and gold Marine mammalCalifornia gray whale FishCalifornia golden trout FossilSaber-toothed tiger SportSurfing FabricDenim

Map and photo credits

County outline map: Wikimedia Commons, public domain. Golden poppy: Evelyn Simak, CC BY-SA 2.0. California quail: Sarah Stierch, CC BY 4.0. California grizzly bear specimen: Vahe Martirosyan, CC BY-SA 2.0. Redwood: Acroterion, CC BY-SA 4.0. Garibaldi: NOAA, public domain. Desert tortoise: Robb Hannawacker, National Park Service, public domain. California dog-face butterfly: Alan Schmierer, CC0. Benitoite and native gold: Robert M. Lavinsky, CC BY-SA 3.0. All via Wikimedia Commons.

🗺️ Which parts of California do you serve?Basics

The entire state — all 58 counties. Carrier networks, monthly premiums, and plan options (PPO, EPO, HMO) are structured by the state’s official Rating Regions, so pricing and doctor access both come down to where you live, work, and pay taxes.

📊 How do networks and pricing differ by region?Compare

Region	Key Areas	Networks	Advantage
Southern CA	Orange, LA, San Diego, Inland Empire	PPO/EPO/HMO from multiple carriers	Widest specialist choice, top medical centers
Central Coast	Santa Barbara, Ventura, SLO, Monterey	Broad PPO & regional HMO	Strong local hospital access
Bay Area	Santa Clara, San Mateo, SF, Alameda	Integrated HMO & direct PPO	Premium medical groups, tech-grade benefits
Central Valley & North	Sacramento, Fresno, Kern, rural North	Regional HMO/PPO & Medi-Cal	Large regional systems, max subsidy leverage

✈️ Does my coverage work if I travel or move to a new county?Travel

Emergency care is covered at 100% in-network rates anywhere in the U.S. For routine care outside your home county, PPO/EPO plans reach statewide and national networks, while HMO plans keep you inside your local medical group. And moving to a new county is a Qualifying Life Event — it opens a 60-day Special Enrollment Period to update your address, subsidy, and network.

💲 Why does my price change depending on where I live?Pricing

California is split into 19 official Rating Regions, and premiums vary by region based on local healthcare costs, hospital competition, and which carriers operate there. Covered California subsidies apply in all 58 counties, but the dollar amount adjusts to the local cost of the benchmark Silver plan in your region.

🏥 PPO vs. EPO vs. HMO — what’s the real difference?Plan Types

PPO gives the broadest freedom — see out-of-network doctors without a referral. EPO keeps you in-network but skips the referral requirement for specialists. HMO has you pick a Primary Care Physician inside a local medical group who manages your care and issues referrals.

🧭 How do I get localized help choosing a plan near me?Local Help

Your region is assigned automatically from your address, and statewide carriers plus regional ones are matched to it. I check your doctors against the carrier’s live provider directory before you enroll, and in rural counties with limited PPO options, I look for plans with broad out-of-county access riders. All of this comes at zero added cost to you.

🏙️ Which cities and counties do you serve?Service Area

Alameda: Alameda, Berkeley, Dublin, Fremont, Hayward, Livermore, Oakland, Pleasanton, San Leandro, Union City

Butte: Chico, Oroville

Contra Costa: Antioch, Concord, Richmond, San Ramon, Walnut Creek

El Dorado: South Lake Tahoe

Fresno: Clovis, Fresno

Humboldt: Eureka

Imperial: El Centro

Kern: Bakersfield

Kings: Hanford

Los Angeles: Burbank, Glendale, Long Beach, Los Angeles, Pasadena, Santa Clarita, Santa Monica, Torrance

Madera: Madera

Marin: San Rafael

Merced: Merced

Monterey: Salinas, Monterey

Napa: Napa

Orange: Anaheim, Huntington Beach, Irvine, Santa Ana

Placer: Roseville

Riverside: Corona, Moreno Valley, Murrieta, Riverside, Temecula

Sacramento: Elk Grove, Sacramento

San Bernardino: Fontana, Ontario, Rancho Cucamonga, San Bernardino

San Diego: Carlsbad, Chula Vista, Escondido, Oceanside, San Diego

San Francisco: San Francisco

San Joaquin: Stockton

San Luis Obispo: San Luis Obispo

San Mateo: Daly City, Redwood City

Santa Barbara: Santa Barbara, Santa Maria

Santa Clara: San Jose, Sunnyvale

Santa Cruz: Santa Cruz

Shasta: Redding

Solano: Fairfield, Vallejo

Sonoma: Santa Rosa

Stanislaus: Modesto

Tulare: Visalia

Ventura: Oxnard, Simi Valley, Thousand Oaks

Yolo: Davis

Yuba: Marysville

Don’t see your city listed? I’m licensed statewide — reach out and I’ll confirm coverage and pricing for your exact ZIP code.

Legal & Regulatory Disclaimers

Health plan availability, provider networks, and monthly premium rates vary by California Rating Region, county, ZIP code, household size, and income. Insurance agency services are provided by independent licensed and certified agents across California. Provider network directories are subject to change by carriers; verify network participation with your healthcare providers prior to enrollment. This website is not affiliated with, endorsed by, or sponsored by the State of California or any California county, city, or government agency. State symbols are shown for general-interest purposes only.

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🗺️ Every California County, South to North

All 58 counties, grouped by region and ordered roughly south to north. Tap any county for local service-area details.

Southern California

San Diego Imperial Orange Riverside Los Angeles San Bernardino Ventura Santa Barbara

Central Coast & South San Joaquin Valley

San Luis Obispo Kern Kings Tulare Monterey Fresno Inyo San Benito Madera Santa Cruz

Bay Area & North San Joaquin Valley

Merced Santa Clara San Mateo Mariposa Stanislaus San Francisco Alameda Marin Tuolumne San Joaquin Contra Costa Calaveras

Wine Country, Sacramento Valley & Sierra Foothills

Mono Solano Napa Amador Sonoma Sacramento Yolo Alpine El Dorado Placer Lake Sutter Yuba Mendocino Colusa Nevada

Northern Sacramento Valley & Cascades

Butte Glenn Sierra Plumas Tehama Lassen

Far North

Shasta Trinity Humboldt Modoc Siskiyou Del Norte