A+ Insurance Service

What A+ Insurance Service does

A+ Insurance Service is an independent insurance brokerage operating under the trade names RightPlan and RightPlan Service, legally organized as Paz Holding, Inc., a privately held California corporation founded in 2014 and led by CEO Naama O. Pozniak. The firm sells individual health, group health, Medicare, travel medical, life, dental, vision, supplemental, telemedicine, short-term medical, and chiropractic insurance products through appointments with nine or more major carriers including Health Net, Kaiser Permanente, Blue Shield of California, Anthem, Cigna, Delta Dental, Medicare, GeoBlue, and HTH Worldwide. Revenue is earned on a recurring commission basis from carriers, with no disclosed subscription fees to end clients. The company is differentiated by its multi-lingual office (English, Spanish, Russian, Armenian, Hebrew), its Covered California Champion certification, its holistic/wellness-oriented positioning, and its strong individual reputation of its founder in industry advocacy (NAHU, LAAHU, NABIP).

The firm's go-to-market is sales-led with a community overlay: direct phone, in-person consultations at the Valley Village office (12500 Riverside Drive #206, Los Angeles), website-driven quote tools integrated with quotit.net, and referral/earned-media channels including editorial contributions to Cal Broker and BenefitsPro. Customer segments are horizontal across individuals/families (primary), small businesses (SHOP), Medicare beneficiaries, self-employed/gig workers, and U.S.-resident travelers. Geographic reach is California-anchored for most products with a U.S.-national footprint for travel medical insurance. Operations are carried out by a small specialist team (CEO plus specialists in Medicare, travel insurance, individual/family coverage, and group benefits), following the loss of a senior specialist in 2022.

The firm carries no proprietary technology platform, no disclosed funding rounds, and operates as a bootstrapped independent agency. Its defensibility rests on founder expertise, multi-lingual service, multi-carrier breadth, and long-tenured community presence in the San Fernando Valley rather than on technology, scale, or capital structure. Reported scale is 'several thousands' of Covered CA enrollees accumulated since 2014; revenue figures are not publicly disclosed.

Name

A+ Insurance Service

Legal name

Paz Holding, Inc.

Website

https://rightplan.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

A+ Insurance Service (d/b/a RightPlan) is a California-based independent insurance brokerage selling individual, group, Medicare, travel, life, and supplemental insurance across nine-plus major carriers to individuals, families, small businesses, and seniors via its Valley Village office and online quote tools.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ)

Keywords

• Independent insurance brokerage
• Health insurance agency
• Medicare insurance services
• Group benefits brokerage
• Travel medical insurance

Headquarters

HQ city

Valley Village

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Insurance Commissions: The company operates as an independent insurance agency/broker, earning commissions from insurance carriers when policies are sold and renewed. They are not owned by any insurance company, providing objective information to consumers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

A+ Insurance Service (dba RightPlan) is an independent California insurance brokerage that sells and services health, Medicare, group, travel, life, dental, and vision insurance products for individuals, families, small businesses, and self-employed clients. The firm acts as a multi-carrier agent earning commissions on policy sales and renewals, including Covered California, SHOP Marketplace, and travel medical plans.

Product overview

A+ Insurance Service (dba RightPlan) is a California-based insurance agency offering a comprehensive portfolio of insurance products. The core offerings include Individual Health Insurance, Group Health Insurance, Medicare Coverage, Travel Insurance, Life Insurance, and Dental/Vision coverage. The company specializes in supplemental insurance products (Accident, Critical Illness, Hospital Indemnity, Short-Term Disability), telemedicine plans, and short-term medical policies. They operate as Covered California agents and offer SHOP Marketplace plans for small businesses. The company provides holistic, wellness-oriented insurance solutions with multi-lingual support (English, Spanish, Russian, Armenian, Hebrew) serving clients throughout California.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Health Insurance Health insurance plans for individuals and families in California, including coverage through Covered California with options across multiple deductible and coverage levels from carriers such as Health Net, Kaiser Permanente, Blue Shield of CA, Anthem, and Cigna.
• Group Health Insurance (SHOP) Employer-sponsored health insurance coverage for small businesses (1-50 employees), including Covered California SHOP Marketplace plans and ancillary employee benefits such as dental, vision, life, and disability.
• Medicare Coverage Medicare plans for individuals over 65 including Parts A, B, C, and D, Medicare Supplement (Medigap) coverage, and Medicare prescription drug plans, plus senior travel insurance bridging Medicare and travel coverage.
• Travel Insurance Travel medical insurance for U.S. residents including short-term and long-term international coverage, trip protection, and senior travel coverage delivered through carrier partnerships with HTH Worldwide (physicians in 180+ countries) and GeoBlue.
• Dental and Vision Insurance Standalone dental and vision insurance plans, including Delta Dental, offered alongside individual and group medical coverage.
• Life Insurance Life insurance products including whole life, variable life, and term life policies with policy review services for individuals and employer groups.
• Self-Employed Health Insurance Health insurance solutions tailored for self-employed individuals and gig economy workers, including HSA-compatible plan options and a Knockout Health Questionnaire screening tool.
• Supplemental Insurance Supplemental coverage products to fill gaps in primary medical insurance including Accident Policies, Critical Illness and Cancer Policies, Hospital Confinement Indemnity Policies, and Short-Term Disability insurance.
• Short-Term Medical Insurance Temporary medical coverage designed for individuals between enrollment periods or those without qualifying life events.
• Chiropractic Plans California-specific individual and family chiropractic insurance plans offering access to chiropractors with up to 20 visits per year for a $20 copay.
• Telemedicine Plans Remote healthcare consultation services providing clinical care at a distance to reduce copays and save time for members.

Quantifiable outcome

• Helped several thousands of people enroll in Covered CA since January 2014

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core.

• Health NetcoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership - offers Health Net health insurance products through the agency. One of the major carriers shown on the company's partner logos.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership - offers Kaiser Permanente health insurance products. Major carrier partner with dedicated space on the website.
• MedicarecoreChannel Partner/ Reseller/ DistributorMedicare insurance products offered through the agency. Specializes in Medicare Parts A, B, C, D and prescription drug plans.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDental insurance carrier partnership offering Delta Dental plans through the agency.
• CignacoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership - offers Cigna health and insurance products. Multiple Cigna products shown on carrier logos.
• AnthemcoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership - offers Anthem Blue Cross health insurance products.
• Blue Shield of CaliforniacoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership - offers Blue Shield of California health insurance products.
• GeoBluecoreChannel Partner/ Reseller/ DistributorTravel insurance carrier partnership offering GeoBlue travel medical insurance products for international travelers.
• HTH Worldwide Travel Medical InsurancecoreChannel Partner/ Reseller/ DistributorTravel insurance partnership offering HTH Worldwide travel medical insurance. Provides access to physicians in more than 180 countries for travelers.
• NABIP (National Association of Benefits and Insurance Professionals)coreStrategic or Co-development PartnerCEO Naama O. Pozniak actively participates in NABIP Capitol Conference and advocacy efforts on behalf of insurance agents and brokers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• HealthPlanOne: Independent health insurance brokerage distributing individual/family and Medicare plans across major carriers — closely comparable multi-carrier distribution agency serving similar customer segments.
• eHealth: Online health insurance marketplace and brokerage distributing individual, family, Medicare, and ancillary plans across carriers — comparable multi-carrier distribution business targeting similar individual/family and Medicare segments.
• GoHealth: Tech-enabled health insurance brokerage specializing in Medicare distribution via a national agent network — comparable distribution business with strong Medicare focus and multi-carrier model.
• HealthMarkets: National independent insurance brokerage distributing individual health, Medicare, life, and supplemental insurance across multiple carriers — directly comparable multi-carrier agency model serving individuals and families.
• SmartFinancial: Online insurance marketplace comparing health, auto, home, and life products across carriers — comparable multi-carrier distribution business targeting individuals and small businesses.
• SelectQuote: Direct-to-consumer insurance brokerage distributing life, senior health (Medicare Supplement and Medicare Advantage), auto, and home — directly comparable distribution model focused on senior/individual lines.

Broad incumbents

• Aon (Health & Benefits): Global insurance and reinsurance brokerage with a large Health & Benefits practice serving employer groups — overlapping capabilities but primarily serving enterprise clients rather than the individual/small-business niche.
• NFP, an Aon Company: National insurance brokerage and advisory firm with personal lines and benefits practices — comparable distribution business but at broader scale and serving more diverse customer segments.
• Brown & Brown Insurance: Large national insurance brokerage with employee benefits and personal lines practices — broader portfolio serving commercial and personal clients across multiple lines and geographies.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with strong employee benefits and individual health distribution capabilities — broader portfolio and geographic reach than A+ Insurance Service.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/aplusinsurances
• Facebookfacebook.com/insurance.los.angeles
• LinkedInlinkedin.com/in/naama-o-pozniak-69b5913
• Instagraminstagram.com/naamaopozniak

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about A+ Insurance Service