# Golden Coast Insurance Services

> Independent California health insurance broker based in Petaluma, Sonoma County. Personalized guidance on individual, family, group, Covered California, dental, vision, and life insurance plans across every major California carrier. CA License #4237053.

Golden Coast Insurance Services is led by Janine Mariscotti, an independent broker (not captive to any single carrier) serving Sonoma County, Napa County, and all of California. Service is free to clients — carriers pay broker commissions directly. Specialty areas include Covered California enrollment, household coverage strategy, small-employer group benefits, and term/whole/universal life insurance.

Contact: (707) 200-1211 · Janine@GoldenCoastInsuranceServices.com · P.O. Box 750235, Petaluma, CA 94975

## Services

- [Individual Health Insurance](https://goldencoastinsuranceservices.com/services/individual-health): Personalized individual health plans across every major California carrier — Blue Shield, Anthem, Kaiser, Health Net, Oscar — with subsidy verification.
- [Family Health Plans](https://goldencoastinsuranceservices.com/services/family-plans): Household coverage strategy covering spouses, children, and dependents up to age 26 with the lowest total annual cost.
- [Group Health Benefits](https://goldencoastinsuranceservices.com/services/small-business): ACA-compliant group health, dental, vision, life, and disability plans for California employers from 2 to 200+ employees, including ICHRA design.
- [Covered California](https://goldencoastinsuranceservices.com/services/covered-california): Certified Covered California agent helping individuals and families maximize ACA premium tax credits and choose the right metal tier.
- [Dental and Vision Insurance](https://goldencoastinsuranceservices.com/services/dental-vision): Standalone and bundled dental/vision plans from VSP, Delta Dental, Anthem, Guardian, and more.
- [Life Insurance](https://goldencoastinsuranceservices.com/services/life-insurance): Term, whole, and universal life insurance from major carriers with honest term-vs-permanent guidance.

## Service Areas

- [Sonoma County](https://goldencoastinsuranceservices.com/sonoma-county): Coverage for Santa Rosa, Petaluma, Sebastopol, Healdsburg, Sonoma, Windsor, Rohnert Park, and surrounding communities.
- [Petaluma](https://goldencoastinsuranceservices.com/petaluma): Local broker for Petaluma residents and small businesses.
- [Santa Rosa](https://goldencoastinsuranceservices.com/santa-rosa): Coverage spanning all three major hospital systems (Kaiser, Sutter, Providence).
- [Napa](https://goldencoastinsuranceservices.com/napa): Napa Valley health insurance across Covered California Region 2.

## Pages

- [About Janine](https://goldencoastinsuranceservices.com/about): About the founder, credentials, and approach.
- [Services Overview](https://goldencoastinsuranceservices.com/services): Summary of all insurance products and services.
- [Resources](https://goldencoastinsuranceservices.com/resources): Helpful links, definitions, and educational content.
- [Contact](https://goldencoastinsuranceservices.com/contact): Phone, email, and contact form.

## Optional

- [Privacy Policy](https://goldencoastinsuranceservices.com/privacy-policy): Site privacy policy.