Health Insurance Made Simple— With Real Humans Ready to Help

Who We Help

Built for Families and Small Businesses — Not Corporate Giants

Large insurance brokerages are designed for companies with hundreds or thousands of employees. But most businesses in California are small — and they deserve the same expertise without the bureaucracy.

As a family-owned health insurance brokerage in beautiful San Diego, we specialize in helping:

• Small businesses with 2–50 employees
• Growing startups hiring their first team
• Family businesses adding employee benefits
• Self-employed workers and their families

when you work with us, you speak directly with the people — not a call center or automated system. And the best part: there’s no additional cost to have a licensed broker assigned to your plan.
Your insurance costs the same whether you enroll on your own or work with us — but with a broker, you gain expert guidance and year-round live support.

The All Benefits team is always so helpful and regardles of the time. They do an great job breaking down the insurance jargon in a way that actually makes sense to me, my family, and my employees. - Barbara B.

"

Why Work With a

Family-Owned Broker

Health insurance can be complicated. Your broker shouldn’t make it worse.

Because we’re a family-owned agency, our approach is simple: treat every client like family and the way we would want our own business treated.

You get:

✅ Personalized guidance — not generic plan lists
✅ Clear explanations in plain English
✅ Access to multiple insurance carriers
✅ Help controlling long-term premium costs
✅ Support for employee enrollment and questions
✅ Renewal strategy every year — not just quotes

We build relationships that last for years, not just enrollment seasons.

"They truly care about my business. I can call any day of the week and speak with Kali directly. Health insurance doesn't sound confusing anymore. " - Dave S.

- Scott L.

Health Insurance for Small Business Owners

Running a business is hard enough. Your health insurance shouldn’t add more complexity. We help California businesses with 2–50 employees compare group health insurance options, offer better benefits to their teams, and keep costs manageable — all with direct support from a real person.

Group Health Insurance Plans

We find the right coverage for your team by comparing multiple insurance carriers, provider networks, and plan options — all explained clearly so you can make confident decisions.

Covered California for Small Business

Offer flexible health insurance through Covered California for Small Business (CCSB), allowing employees to choose from multiple plans while you control your contribution.

Employee Benefits for Your Team

Build a benefits package that supports your employees with medical, dental, vision, and life insurance options designed for small businesses.

Annual Plan Reviews

Each year we review your health insurance plan, compare updated options, and help keep your benefits competitive while maintaining reasonable costs.

The Process

A Simpler Way to Offer Health Insurance

1. Quick Intro Call

We start with a short call to learn about your business, team size, budget, and benefit goals.

2. Compare Plan Options

We shop multiple health insurance carriers and Covered California options available to businesses with 2–50 employees.

3. Clear Plan Recommendations

You receive a simple, side-by-side breakdown of the best plans so you can confidently choose the right coverage for your team.

4. Easy Electronic Employee Enrollment

Enrollment is handled entirely online, making it simple for employees to review plans and select coverage without paperwork.

5. Year-Round Support for You and Your Team

When questions come up, you can reach us directly by phone or email, and we can also provide on-site employee benefit trainings to help your team understand and use their coverage.

"Working with Kali and Sonny has been a game changer for our business. They made the process of setting up health insurance for our employees simple and straightforward. Anytime we have a question, we get them on the phone."

- Manuela G.

Get Help With Your Health Insurance Options

Have questions or want to explore coverage for your business? Fill out the form below and one of our licensed broker will contact you directly for a discovery call.

No call centers. No chatbots. Just real help from a family-owned brokerage.

And there’s no additional cost to have a broker assigned to your plan.

A licensed broker will follow up with you shortly.