Specializing in HSA (Health Savings Account) Health Plans for Individuals, Families, and Businesses

Paul Sheldon, Jr., CLU, ChFC, Insurance & Benefits Planning, is an independent health insurance agency, providing low-cost, high-value health insurance plans since 1986. We offer plans for individuals, families, and businesses.

As an independent agency, we provide objective information to consumers and small business owners, helping them make informed decisions about their insurance needs. Based in Bakersfield, Kern County, our service is available to all California residents.

Welcome to Health-Savings.com

Are you interested in Individual & Family Health Insurance?

Update for Winter/Spring 2013

If you are under age 65, the most competitively-priced Health Savings Account (HSA) plan are through Cigna, Blue Shield and Aetna. Specifically, the HSA plans we recommend are:

CIGNA: The Health Savings 1900 (HSA) , Health Savings 3400 (HSA) and Health Savings 4900 (HSA) plans are its best-value plans.

Blue Shield of CA: The Blue Shield Saver 6000 (HSA) and the Blue Shield Saver 4000 (HSA) plans are its best-value plans.

Aetna: "Aetna Open Access Managed Choice High Deductible 5500 (HSA Compatible)" is Aetna's best-value plan.

If you are 65 or older, the best-value Medicare Supplements are with Blue Shield (Plan "F"), Mutual of Omaha (Plan "F") and Anthem Blue Cross (Plans "F," "F+" and "N"). The best value Medicare Advantage plan is the Health Net "Ruby" Plan.

Whether you or under 65, or 65 or older, just click the button below for an instant quote on all the best value plans.