Health plans for Californians aged 55–64
Pay less. Get more.
See if you qualify in under 10 seconds.
Fixed monthly prices: $560 for one person, $880 for a couple. Any provider you choose, and a local advisor who picks up the phone.
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Rick Liuag37+ years helping Californians
$560/moFixed monthly price
Any providerKeep your doctors
24/7Virtual care included
Free callWith Rick, no obligation
How it works
1
Enter the year you were bornThat’s the only question to see your price.
2
See your monthly price instantlyNo name, phone or email needed.
3
Talk with RickA free call to check the plan fits you.
▶Watch: Rick explains the plan
How the price compares with the big names
Monthly cost for a 60-year-old in the Inland Empire, 2026 Silver plans on Covered California, before any subsidy.
| Plan | Per month (age 60)Per month | DeductibleDeductible | Max out-of-pocketMax you pay | Doctor visitDoctor visit |
|---|---|---|---|---|
 Smart Health plan |
$560 | $0 | $1,500 | $15 |
 Silver 70 HMO |
~$962 | $5,200 | $9,800 | $50 |
 Silver 70 HMO |
~$1,045 | $5,200 | $9,800 | $50 |
 Silver 70 |
~$1,113 | $5,200 | $9,800 | $50 |
 Silver 70 HMO |
~$1,179 | $5,200 | $9,800 | $50 |
That’s about $400 to $620 less every month than the big-name Silver plans.
Covered California 2026 Region 17 (Riverside County) rates for a 40-year-old, scaled to age 60 using the federal age curve; actual prices vary by ZIP code. Many people aged 55–64 qualify for subsidies that lower ACA prices. The SHC plan is a health benefit plan, not ACA-compliant insurance: it may not cover every essential health benefit and may limit pre-existing conditions. Compare what each plan covers before you choose. Brand names belong to their owners and are shown for comparison only.
Have a common health condition?
You may still qualify if it’s under control, including:
High blood pressure
High cholesterol
Hypothyroidism
Type 2 diabetes
What Rick’s clients say
★★★★★
“We’ve saved more than $1,800 a month for the past five years, and we like our plan much better than our old ACA plan.”
Bart P., Pomona, CA
★★★★★
“He showed us how to tailor our coverage and save almost $2,000 every month, with much better coverage.”
Marcia C., Malibu, CA
★★★★★
“We now have better coverage for much less than we were paying Blue Shield.”
Michelle D., Yorba Linda, CA
Meet your advisor
Rick Liuag
Rick began as an investment advisor with a retail bank and has run his own practice in Corona for nearly 20 years. Today he helps Californians make clear, confident decisions about health coverage, retirement and their finances.
37+ yearsin financial services
~20 yearsrunning his own practice
3 bookson retirement, estates and health
Common questions
Who can join?California residents aged 55 to 64 who buy their own cover. Rick can help other ages with different options.
Can I keep my doctor?You can choose your provider. Rick will check your doctors with you on the call.
Is this traditional health insurance?It’s a health benefit plan that combines insured and non-insured benefits. Rick explains exactly how it works before you decide.
When can I start?Plans usually start on the 1st of the month. Rick will tell you the deadline for your start date.
Rick Liuag Insurance & Financial ServicesCorona, California
Talk to RickCall free 833-742-7526
info@shcplans.com
info@shcplans.com
Plans provided by SHC Benefits. SHC plans are not traditional major medical insurance; benefits, limitations and pre-existing condition rules apply. Prices shown are for individuals aged 55–64 living in California and are subject to eligibility.