Caffrey Insurance helps California employers find, compare, and manage group health plans — so you can take care of your people without drowning in paperwork.
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No jargon, no runaround. Here's what working with us looks like.
Every renewal, we compare all competitive carriers and lay the options side by side — real rates, real plans, clear trade-offs. You pick what makes sense.
Medical · Dental · Vision · Life · DisabilityContribution modeling, ACA compliance, plan design, ERISA documents — we handle the math and the paperwork so you can focus on the decision. Every client gets a branded enrollment portal and benefits review tools.
Enrollment, claims issues, mid-year changes, renewal negotiation. We don't disappear after the sale. This is a year-round relationship. Every client gets access to a secure employer portal with plan documents, cost modeling, and enrollment tools.
Our service is free to you. Carriers pay us the same commission whether you use a broker or go direct — so you get expert guidance at no additional cost.
Caffrey Insurance Solutions was founded by my mother, Lynn Caffrey. She started in insurance in 1975 and went independent in 1999 with a simple belief: insurance should be personal. You should know your broker by name, and they should know your business.
I joined the firm in 2010 and took ownership in 2016. When Mom passed in 2022, she entrusted us with her Medicare clients. The philosophy hasn't changed. We're still a small team. We still answer our own phone. And we still believe that the best way to earn your trust is to do right by your employees.
— Gabriel Caffrey, President
These guys rock. Period. Gabriel Caffrey has helped my startup navigate the complexities of health, dental, and vision insurance options. He is technically sound, and at the same time able to describe my insurance options in layman's terms. Simply put, Caffrey Insurance Solutions makes your life easier when it comes to your insurance needs.Andrew Kitirattragarn — Founder, Dang Foods
Not only was Gabriel able to explain the tangled web of medical insurance in a manner that I was able to comprehend, but he implemented the insurance solutions for myself and my employees in such a manner that I barely had to do anything. If you want medical insurance, get a broker, and if you want the best, I really recommend you visit the Caffrey family!Andrew Gregor — Owner, Blue Dog Construction
We have been working with Caffrey Insurance Solutions for over 3 years and are over the moon with their services. Gabriel goes above and beyond in supporting our team and coming up with workable solutions. He helped us set up our Gusto account as well as getting the best rates from health care services for us. I would recommend their team to anyone!Faith Flanigan — Operations Director, Spherical Studio
Employer looking for benefits? Tell us about your team and we'll build a comparison.
Existing clients: log in to your benefits dashboard, plan documents, and cost modeling tools.
Articles, compliance guides, and tools for navigating health insurance.
Group eligibility, broker costs, enrollment timing, and more.