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While this web site may be used to market or promote an idea or transaction that is displayed, it is intended to provide general information about the subject matter presented and is provided with the understanding that Palmer Financial and Insurance Services is not rendering legal, accounting, or tax advise. It is not a marketed opinion and may not be used to avoid penalties under the internal revenue code. You should consult appropriate counsel on matters pertaining to ERISA, legal, tax, or accounting obligations and requirements.



Helping you protect the things that are most important to you.

Benefits for your family, your business, final expenses and your estate.


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The sale of insurance products as a result of this web site must be for residents of California and with products approved for sale in California. CA LIC #0G23410

Instructions  to delegate PF&IS as your agent:

1. Log on 

2. Find local help. Located in the top right hand corner.

3. Find Agents

4. Enter Diana Palmer or Zip Code 93610

5. Confirm Delegation

When can I enroll as an Employer?

Employers can begin a new plan offering anytime throughout the year. Your plans effective date will be the first of the month following your application in most cases. If you already offer coverage there may be options to change mid plan year.  Contact (559) 248-0542 for more info.

​​When can I enroll as an individual?

The 2021 Open Enrollment Period begins  November 1,2020 . Plans sold before  December 15th, during Open Enrollment will have an effective date of  January 1, 2021.

 Individuals with special qualifying life events can enroll at any time of the year. Medi-Cal enrollment is also year-round. Medi-Cal and Covered California use the same application. After you enter your information, you will find out whether you qualify for Medi-Cal or Covered California.