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Paul Sheldon Insurance & Benefits Planning specializes in HSA (Health Savings Accounts) Health Insurance Plans for Individuals, Families, and Business Groups. A high deductible health plan (HDHP) with an HSA has lower monthly premiums and reduces out-of-pocket costs because you don’t pay federal income tax on money you take for qualified medical expenses from an HSA. An HSA can be used to pay insurance deductibles, co-payments, prescription drugs, dental and vision expenses, as well as many expenses that aren’t covered by your health plan (e.g., lasik surgery, orthotics and massage therapy prescribed by a doctor). Located in Bakersfield and serving Kern County CA

We are health-care reform experts. We will determine the best health plan for you, your family or your employees. We offer CA health Insurance plans that are outside the insurance exchange marketplace. Our comprehensive employee benefit programs are tailored for the needs of each business group. Our goal is to provide outstanding service throughout the year with assistance in solving problems and ongoing support.
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.
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Update for Summer 2014

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

Assurant:  CoreMed Silver 1
Anthem: Core Direct Access with HSA plans is the best-value plan.
Blue Shield of CA: The Basic PPO for HSA Bronze is the best-value plan.
If you are 65 or older, the best-value Medicare Supplements are with United American (Plan "F", "F+" and "G"), Blue Shield (Plan "F"), Mutual of Omaha (Plan "F") and Anthem Blue Cross (Plans "F," and "F+" ). The best value Medicare Advantage plan is the Aetna Medicare Advantage Plan with drug coverage.
Whether you or under 65, or 65 or older, just click the button below for an instant quote on all the best value plans.

Paul Sheldon Insurance & Benefits Planning | Health Insurance Agency, Health Care Reform & Covered CA Metal Plans, Individual & Family Medical Insurance, Group Health Insurance Plans, Medicare Supplement Insurance for Seniors, HSA plans, Anthem Blue Cross, Blue Shield of CA, Kaiser, Oildale, Wasco, Delano, Porterville, Corcoran, Tulare, Ridgecrest | 5251 Office Park Dr., Suite 100, Bakersfield CA 93309 | (661) 398-2298 or Toll-Free (888) 201-2386


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