We are a free service to help you shop, compare, enroll and manage your Covered California and private health plans.

After 25 years helping individuals and employers navigate healthcare, Healthy Halo Insurance Services Inc. created this website because the health insurance industry is way too complicated… And with all the major changes due to the Affordable Care Act, it’s become even more complex. We're here to help make sense of it all. We help you choose and buy health insurance on your own terms.

Our staff are Covered California Certified Agents — licensed, professional health insurance agents who’ve passed Covered California’s intensive training and certification program.

Health Marketplace is a free service. Our Advisors work for you at no charge because we get paid directly from the health plan you choose. Your premiums are exactly the same whether you use our services or not. We are independent of any health plan and we’re 100% unbiased. We work for you.


  • Determine your eligibility for government assistance.
  • Find the plans that have your doctors.
  • Show you the plan choices and options.
  • Help you select the plan best suited for your needs.
  • Help you apply for government assistance.
  • Handle the enrollment process.
  • Help with the appeals process if you’ve been rejected.


  • We'll help at no cost to you.
  • We'll figure out if you're eligible for money from the government.
  • We'll help you to choose the right health plan.
  • We'll make sure you get the best deal possible.
  • We'll help with the paperwork to enroll or enroll FOR you.
  • If you get confused, run into a problem, or have a change in circumstance, we're always here to help.


Can’t I just go to Covered California and do it myself?

Yes. However, why go it alone? We can be your expert advisor and help you find the best plan for you — from Covered California OR the private market. We’ll make sure you get all the financial assistance you qualify for and get you enrolled with minimal time and effort on your part. And using our services doesn’t cost you anything! Your premiums are the same if you do it yourself or if we help you.

What do “state (public) exchange” and “private market” mean?

Enacted in March 2010, the federal Patient Protection and Affordable Care Act (Affordable Care Act), occasionally referred to as “Obamacare,” provides the framework, policies, regulations and guidelines for implementation of comprehensive health care reform by the states. The Affordable Care Act expands access to quality, affordable insurance and health care.

How is Health Marketplace able to provide services at no cost?

Health Marketplace can help individuals, families and employers for free because insurers pay us a fee to distribute their products, just like they do traditional brokers. You do not pay anything extra for using our services to help you, and your monthly insurance premiums are the same whether you use our help or not..

How can I contact Health Marketplace?

Call us at 800-788-2197 or email us at [email protected]