Medicare Plans

Are you turning 65 and need some guidance regarding your Medicare options?

Are you losing health coverage through your employer and need to apply for Part B?

The Annual Enrollment Period is from October 15 and ends December 7 every year. Learn about the changes to your existing plan and know what your plan options are for the following year. Don’t wait!

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Covered California

Having access to medical care when you need it plays a crucial part in protecting yourself and your family, especially during these uncertain times we face today.

In California, you may be penalized if you go without health insurance. You can still apply now!

Open Enrollment starts November 1, 2021. You can renew your plan today for 2022.

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Health Insurance through the Federal Marketplace

Open Enrollment is from November 1, 2021 to January 31, 2022.

2021 brings enhanced subsidies to provide more financial assistance due to Covid-19.

Applying for health insurance is fast and easy with Health Sherpa.

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Life Insurance

Compare among the top carriers in seconds and apply within minutes! Our quoting software is user-friendly. No lengthy paperwork to fill out! During the process, easily schedule your exam when it’s convenient for you. It’s all done electronically and quickly from the comfort of your home. Apply on your own time!

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A Little Bit About Me

My Background

Thank you for visiting my website. My name is Franco Stella and I’m from Southern California. I’m a Cal State University Long Beach graduate. I first got licensed to be an insurance agent back in 2007 specializing in Medicare plans. I built my business in San Diego, CA helping a very needy and underserved population; those that had a language barrier and that were also low-income.

In 2013, I joined my brother, Erick Stella’s agency, Stella Health Insurance Agency, to grow and build stronger relationships with our partners in the industry.

That year, I also contracted with Covered California and participated in the state’s first open enrollment to help individuals and families transition into the new plan options.

My first non-resident license is my Texas license. A few years back we had thought of moving to Austin to be closer to family but just stayed in California.

As clients moved out-of-state, I’ve acquired licenses in those states to keep serving them as their insurance broker. This also brought me more opportunities to easily work remotely and help people in other states through a phone call, email and zoom.

Last year I contracted with the Federal Marketplace, also known as Obamacare or the ACA, to assist individuals and families with their health insurance needs outside of California.

I currently hold licenses in CA, NV, AZ, OR, TX, NM, IN, TN, SC and FL.


My Interests

I love to play the guitar and other string instruments. Music is a passion of mine. I love to listen to all kinds of music from the World.

Languages have been another passion of mine. Besides English, I speak Spanish, Portuguese and Italian. I studied French for a couple of years but I find it a little more difficult.

I love to travel, meet people and learn about other cultures.

I currently live in Soutwest Riverside County, with my beautiful wife and my 4 year-old son. I love spending time with my family on my time off.


Why Work With Me?

I believe in educating those that are starting with Medicare, or that are already have Medicare but don’t understand how it works. I like to simplify what Medicare is and give you a step-by-step process from when to apply to getting signed up with the plan that is suited for you.

I also find several Medicare beneficiaries already on a plan, such as a Medicare Advantage plan, don’t really understand what benefits they have or even how to use them. This is when I do a needs analysis to see if your plan fits your needs and if you are maximizing the benefits you qualify for.

There are still several individuals and families without health insurance. Many times it’s because they think they can’t afford it. Educating them on changes and updates in crucial. This year, more people qualify for even more assistance than ever, even those that probably didn’t qualify in the past. Getting you a quote only takes a minute.

You can also self-quote using the softwares on my site at no cost and no obligation. If you need assistance with the process or have any questions, contact me. There’s NO COST!

If you’re in Southern California, I’m also available for in-home appointments.