Health insurance & Medicare · San Francisco, CA (San Francisco County)
Supplemental Health Insurance in San Francisco, California
18.2% of San Francisco households include children under 18, well below the U.S. figure of 29.8%. Accident, critical illness, hospital indemnity, cancer, dental and vision coverage that can pay benefits alongside your main health plan. Olive, a licensed agent with Manna Financial Services, helps San Francisco, CA households compare supplemental health insurance by phone or video, and the first conversation is free.
What matters for supplemental health insurance in San Francisco
18.2% of San Francisco households include children. Accident plans are a common choice for active families, while hospital and critical illness plans are more common for people with Medicare (17.5% of San Francisco residents are 65 or older).
San Francisco by the numbers
- 18.2% of San Francisco households include children under 18, well below the U.S. figure of 29.8%.
- 4.9% of San Francisco adults aged 19 to 64 have no health insurance, well below the U.S. rate of 11.1% (the lowest uninsured rate for adults 19 to 64 of the 13 West U.S. communities on this site).
- 38.6% of San Francisco homes are owner-occupied (U.S.: 65.0%), and the median home value is $1,347,000, well above the U.S. median of $303,400.
- The median household income in San Francisco is $141,446, well above the U.S. average of $78,538, the highest median household income of the 13 West U.S. communities on this site.
San Francisco and nearby communities
| Place | Households with children | 65 or older | Uninsured adults 19–64 |
|---|---|---|---|
| San Francisco | 18.2% | 17.5% | 4.9% |
| Los Angeles | 26.4% | 14.8% | 12.9% |
| Phoenix | 32.5% | 12.6% | 16.8% |
| San Diego | 26.9% | 15.1% | 8.9% |
| U.S. | 29.8% | 17.7% | 11.1% |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with supplemental health insurance
- Accident and critical illness plans that pay cash benefits
- Hospital indemnity coverage for inpatient stays
- Dental and vision plans for individuals and families
- Pairs with ACA, employer or Medicare coverage
Rules that apply in California
- Supplemental plans pay fixed benefits and are not major medical coverage. They do not count as ACA minimum essential coverage.
- Many accident, critical illness and hospital plans pay benefits to you directly, to use as you choose.
- Waiting periods and pre-existing condition limits vary by policy, so we compare them before you apply.
Questions from San Francisco
Is supplemental insurance the same as health insurance?
No. Supplemental plans pay limited, fixed benefits for specific events and do not replace major medical coverage. They work best alongside a health plan.
Do I need to visit an office in San Francisco?
No. Olive works with San Francisco and San Francisco County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about supplemental health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.