David Fluker Insurance Services | California Health Insurance

Welcome to my web site. I am an independent health insurance broker residing in Gilroy, California. As an independent agent (broker), I work for myself and on your behalf, not for an insurance company. I am available to help you understand the health insurance policies available, find the policy that makes the most sense for your situation, help you apply for coverage and provide service on your policy. You can always call me instead of an insurance company for questions, issues or changes in your life or coverage.

There is no fee or cost to you for my services. The insurance companies pay broker commission for policies placed with them. Rates for health plans and Medicare health plans are set by law and filed with the appropriate regulatory agency.

Also because I am an independent broker, I can easily compare policies from multiple insurance companies and review the similarities and differences with you to find the most appropriate coverage choice.

I specialize in working with seniors going onto Medicare or already on Medicare as well as those under 65 who are going onto or on Medicare due to disability. In addition I do provide services to individuals and families looking for help with major medical health insurance coverage.

The links at the top are the site navigation links to help you locate the insurance products in which you are most interested.

The online quoting service above provides instant online quotes from multiple insurance companies for Medicare Supplements as well as individual & family health coverage. All information entered for instant quotes is only seen by me and is never shared, sold or provided to any third party for any reason. Please note that guaranteed-issue major medical coverage plans like HIPAA and state MRMIP are not available for online quoting. Rate sheets for those programs are included in the appropriate section of my web site.

The Information Request Form to the right is an informal way to get in touch with me for any questions, issues or comments. Like the instant quotes, the request form is confidential, only seen by me and is not shared.

I hope that you find my web site helpful, useful and able to meet your needs in terms of information. I look forward to hearing from you and helping you find the right health insurance coverage plan to meet your needs.

Thank you for visiting and let me know if you have any comments or suggestions on how to improve my site.

Dave