Watkins Health Insurance is an independent Medicare insurance agency that helps individuals and families understand their Medicare options with clarity and confidence. We serve Medicare beneficiaries in Hawaii and California.

We provide no cost, no obligation consultations to help clients make informed decisions about their health coverage.

Our approach focuses on what matters most to each client: preferred doctors, prescription medications, and budget.

We help clients compare Medicare Advantage and Medigap options, explain how they work with VA, TRICARE for Life, and FEHB benefits, and handle the enrollment process from start to finish.

We are compensated by the insurance carriers we represent, which means there are no broker fees or additional costs to our clients.

Medicare support doesn’t end at enrollment. Our clients can continue to reach out with questions, plan reviews, or changes as their needs evolve.

Medicare.gov is the official U.S. government website for Medicare and includes information on all Medicare plans available in a given area.

As an independent insurance agency, we work with many, but not all, Medicare plans. Our role is to help clients understand their options and guide them through the plans we represent.

We provide Medicare guidance throughout Hawaii. Learn more about our Hawaii Medicare services.

Get to know our team.