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It’s All About Options.

Whether you’re looking for individual coverage or trying to decide which type of plan to choose for your employees, Cumbre Insurance Services, LLC can help you find a Health Insurance solution that meets the needs of everyone.

Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money to into a savings account that they can use overtime for medical expenses that are not covered under their high-deducible plan. With a standard HSA, you can do the following.

  1. Put money into your HSA (tax free)
  2. Watch your money grow (tax free)
  3. Take out money if needed for qualified medical expenses, including dental and vision (also tax free)

Advantages of HSAs

With a Health Savings Account, you get to control the amount of money that you wish to set aside for medical expenses. All deposits, growth, and withdrawals are all tax-free for your convenience, and most important, your money rolls over each year. Unlike flexible spending accounts, you don’t lose money when your policy renews. Whatever you put into your HSA keeps growing, tax-free.

Although there are limits to the amount of money in which you can deposit into your Health Savings Account each year, as well as qualifications, it’s a great way to help you have a lower premium, supply you with medical coverage if necessary, and help you save for your future medical needs.

Contact an insurance specialist at Cumbre Insurance Services, LLC today to learn more about how an HSA can benefit you.

Our Locations

Main Office - Ontario, CA

3333 Concours, Suite 5100
Ontario, CA 91764
Main office: 909-454-2456
Toll free: 800-998-7986
Fax: 909-484-2491

La Quinta Office

78-401 Highway 111, Suite S
La Quinta, CA 92253
Main office: 760-347-5552
Toll free: 800-480-6039
Fax: 760-347-2858

NY Office

2316 Delaware Avenue, Suite 268
Buffalo, NY 14216
Main office: 877-221-2217
Fax: 877-518-8131

Petaluma Office

1318 Redwood Way, Suite 200
Petaluma, CA 94954
Main office: 707-992-3740
Toll free: 800-798-5897

Shingle Springs Office

4065 Mother Lode Drive
Shingle Springs, CA 95682
Main office: 530-677-8755
Toll free: 800-677-8181
Fax: 530-677-8314

Tracy Office

2880 North Tracy Boulevard
Tracy, CA 95376
Main office: 209-835-0776
Fax: 209-835-4224

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.