Finding The Best Coverage For You

Being independent means that we find the best companies and products for our customers – not customers to force-fit into proprietary products.

Features & Services Our Agency Captive Agent Online & 1-800 Companies
Access to multiple companies and wide range of products
Easy switching from company to company without hassle
Unbiased and objective advice Tries to sell & support only their one company Tries to sell & support only their one company
Claims assistance and advocacy Adjusters are often exclusive to the one company No help: you vs. adjuster
Policy service from the same person you bought from Often passed off to call center You'll likely never talk to the same person twice
a mom, dad, and child smiling into the camera

Online Booking For Appointments.

What People Are Saying

We take pride in going above and beyond for each and every customer. If you ever feel like we haven't put joy in your insurance experience, please contact us. We want every opportunity to help you with your health insurance needs.

Avg. 5.0

Customer Reviews

a double quotation mark for Julie M.


Becca was extremely helpful, professional, and pleasant. She made choosing new insurance much more comfortable than I've ever experienced. She was also responsive and thorough.

Julie M.

a double quotation mark for Michelle C.


The team at Joy Olivier Insurance is the BEST! We have been using them for many years for our health insurance and because of the excellent & knowledgable service have switched all of our personal home, auto, motorcycle, and RV insurance to them.

Michelle C.

a double quotation mark for Laurie L.


Even though we aren't local to the agency, working with Joy's group has been seamless! They communicate clearly and efficiently via email and text, respond to inquiries quickly and always have the time to focus on my needs!

Laurie L.

a double quotation mark for Francisco Ferrer


I highly recommend this service! Michelle was very knowledgeable and patient when I was trying to decide what kind of health plan was right for me. A service delivered with empathy is something I don't see very much these days and Michelle made it happen.

Francisco Ferrer

Frequently asked questions about Covered CA

How much money can I make and still qualify for Covered CA?

According to Covered California income guidelines and salary restrictions, if an individual makes less than $47,520 per year or if a family of four earns wages less than $97,200 per year, then they qualify for government assistance based on their income.

Is there an asset limit for Covered California?

Assets ≤ $7,280 for an individual or ≤ $10,930 for couple (Assets do not include residence, one car owned by applicant or $1,500 for burial expenses per applicant.) Assets ≤ $2,000 for an individual or ≤ $3,000 for couple (Assets do not include residence or one car owned by applicant.)

What is the income limit for Covered CA 2022?

In general, individuals and families with annual incomes between 138% and 150% of the federal poverty line — $17,775 to $19,320 for an individual and $36,570 to $39,750 for a family of four — can get the lowest level of coverage, known as bronze, for no monthly premium in 2022.

What happens if I don't report my income change to Covered CA?

So what happens if at the end of the year your income falls into a different income level and you did not report the change? If your income is higher than you thought it would be, you will have to pay your advanced premium tax credit (APTC) back!

What if I make too much for Covered California?

Even if your income is too high to get help paying for a health plan, you can still buy a Covered California plan. Contact Joy Olivier Insurance to help find the right plan for you.

What does bronze HSA mean?

This plan includes free preventative care like annual physicals, well-woman checkups, well-baby checkups and basic vision and dental services for children under the age of 19. The Bronze 60 HSA has a $4800 individual deductible and a $9,600 family deductible.

Put a little Joy in your insurance experience.

Joy Olivier Insurance Agency Inc. has been helping Californians find the right health insurance. We love what we do and it shows. Come see why California is switching to Joy.

Get my price

Joy Olivier Insurance Agency Inc.
California Lic. #0I43589 | Alabama Lic. #3002573107 | Alaska Lic. #302937455 | Arkansas Lic. # 8694407 | Idaho Lic. #3002324293 | Texas Lic. #2834855

© web design by one eleven stockton, ca