Individual and Group Medical Insurance

Discovery Bay Insurance Services has embraced the new ACA and has extensive training with the new laws and regulation. If you are a small employer with one employee, a large employer with over 50 employees, or anything in between, you are now affected by the new laws and need a competent team to assist you.

Discovery Bay Insurance Services works with all the Medical, Dental, and Vision carriers here in California. In addition to helping Business Owners choose the custom tailored Employee Benefits Package, we also have solutions for COBRA, ERISA, PAYROLL, and HRIS (Human Resources Integrated Software).

For employers with over 50 employees we now offer HRIS Solutions to help them with all the ACA compliance issues ObamaCare has created. This will be an added value to both new and existing Benefits Clients. With all the new forms and filing required, or not required, having a Human Resources Integrated Software solution will make the new regulations easier to navigate through. Discovery Bay Insurance is committed to their clients and have partnered with experts in each area of concern to help eliminate any potential for fines or penalties employers now face in today's marketplace. It's not just about shopping for the best rates or choosing an Insurance Broker, you need a Broker that truly is looking out for your best interest.

What is "Obama Care"

Officially known as the Patient Protection and Affordable Care Act (PPACA), commonly called the Affordable Care Act (ACA), it is the federal statute signed into law by President Barack Obama on March 23rd, 2010. It is designed to overhaul the US Healthcare System to help bring more easily understood and affordable health insurance options to consumers as well as lower costs for both individuals and the government. To accomplish this, the ACA introduces mechanisms such as health insurance marketplaces (or health exchanges), mandates, and subsidies (premium assistance).

What is Covered California?

Covered California is the is the California run Health Exchange Marketplace where individuals can shop and compare the different plans offered by health care providers as well as check their eligibility for premium assistance to help reduce the cost of those plans. The health insurance plans offered through Covered California are the same plans offered by the providers directly, but it is only through Covered California that you can see if you can qualify for the premium assistance. You can apply for Covered California plans by enrolling yourself online or by paper application, calling them directly, or applying with the help of a Certified Enrollment Councilor or Certified Agent.


  • Covered Ca
  • California Marketplace
  • Individual Medical Plans
  • Individual Dental Plans
  • Individual Vision Plans
  • Group Medical Plansn
  • Min Essential Plans
  • Voluntary Benefits


  • Group Disability Plans
  • Individual Disability Plans
  • Short Term Disability
  • Long Term Disability

Employee Benefits Package

  • Custom Designed Programs designed around the Employers needs insuring the best possible benefits at the best possible price.
  • COBRA AdministrationPAYROLL
  • ERISA Compliance
  • HR Solutions

HRIS (Human Resources Integrated Software)

  • New systems created to help Employers with the new ACA requirements, forms, and regulations.


  • Individual Low Cost Options
  • Group low cost options
  • Voluntary Group Plans
  • Dual Choice with low and high options
  • DHMO Options
  • PPO Plans
  • Traditional Indemnity Plans


  • Individual Plans
  • Group Plans
  • voluntary group plans


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