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Our Team

Benefit Agents is focused on making the health insurance marketplace in California and across the country easier to understand for both the individual consumer and small business. We are contracted as certified agents with all of the top medical carriers in California and specialize in the public health benefit exchange – Covered CA; and the private medical exchange – CaliforniaChoice. In addition to medical insurance we can provide a suite of coverage and employee benefit services including dental, vision, life and disability insurance. Below are some of the reasons to use Benefit Agents:

  • Our knowledge and understanding of California Choice, Covered California’s products and private medical insurance market allow us to make the best recommendations for you and your employees at no additional cost.
  • In addition to medical insurance we can tailor fully comprehensive employee benefit programs.
  • We take the process of researching California Choice, Covered California SHOP and other medical insurance plans out since we have been in the insurance industry for over 40 years.
  • The rates are the same from broker to broker or if you go directly to an insurance carrier. Benefit Agents provides industry knowledge and expertise above our competition.
  • We will make sure you or your business will receive all eligible subsides for you and your business.
  • We understand the differences between networks on Covered California and California Choice plans as well as in the private medical insurance market.

There are one thousand other reasons we could list that put us above our competition. Contact us today for a free consultation and put us to work for you!


Meet our team of CA Brokers and Covered CA Certified Agents:

Ryan Bedrosian, President – License #0F00667

Towards the end of 2013, Ryan started Benefit Agents in order to streamline the education and enrollment process associated with Covered CA, the Small Business Health Options Program (SHOP), and the private sector.  The firm is focused on small businesses and individuals looking to purchase medical, dental, vision, life and disability insurance.

As most people search the internet to understand the Affordable Care Act they find themselves getting lost in the details. Ryan and, co-founder, Arman’s focus to set up Benefit Agents was to provide one simple website where applicants of the states public health exchange, Covered CA, could find clarity in an ever-changing and confusing CA marketplace.

For the first time in history, the Patient Protection and Affordable Care Act represented the most significant regulatory overhaul of the U.S. healthcare system since the passage of Medicare and Medicaid in 1965.  There was no question that the founders of Benefit Agents wanted to be at the forefront of the technological, financial, and clinical improvements to drive better health outcomes, lower costs, and improve accessibility.

Ryan founded an insurance platform, Simple Life which is on a mission to make the insurance enrollment and education process understandable once and for all. The Simple Life experience was built with the individual consumer in mind through every step of the process. It is the first service to harmonize and create synergy between the individual, HR, insurance carrier and insurance broker.

Ryan has been a Top of the Table member of Million Dollar Round Table for the last few years. In addition, he completed the Certified Employee Benefit Specialist (CEBS) Program under the academic direction of The Wharton School of Business. The CEBS curriculum represents specialized knowledge in group benefits, retirement, and compensation. It is the only professional certification in total compensation and only about 7,000 individuals hold the designation in the U.S.

Ryan currently holds licenses in Accident and Health and Life Insurance in California and other states.


Arman Vahdatinia, Vice President – License #0I88850

Striving to provide consumers an online solution to better facilitate the HR needs and legal requirements of small businesses has led to the creation of Benefit Agents.  Having fully immersed himself in the recent historical changes due to the Patient Protection and Affordable Care Act, he aims to educate small businesses on how to effectively manage costs and protect their most important asset – their employees.  Arman is a former owner of three online futures brokerages, and now brings his advisory and financial expertise to the health care field.  Arman attended San Jose State University and double majored in Finance and Computer Engineering.

Arman currently holds licenses in Accident and Health and Life Insurance in California. He is fluent in Farsi, and versed in Spanish.


Matt Trenkwalder, Insurance Broker – License #0I72261

After moving from the mortgage and finance sector, Matt began his insurance career in 2012. Within a couple years, he qualified as one of the Top Twenty insurance brokers selling Covered CA and SHOP polices.  He leads the internal Covered CA client services team. In addition, Matt focuses on expanding employee benefit and HR services to his business clients. He has close relationships with many of the major payroll, Cobra and compliance vendors in the industry.

Matt currently is on the Covered CA Broker Council. It is a community that advises on the most critical enrollment and technology issues to support the future growth of the program. Matt currently holds a license in Accident and Health and Life Insurance in California.


Alex Bedrosian, Insurance Broker – License #0G33562

Alex began his insurance career at Word & Brown General Agency. In 2013, Alex joined Benefit Agents to assist with the influx of Covered CA SHOP business. Alex has strengthened the company’s partnerships through continued education and trusted partnerships. In addition, he manages many of the Bedrosian & Associates employee benefit accounts. Alex is a leading CA agent at Kaiser Permanente as well as a few other insurance companies.

Alex’s studies continue through the Charter Life Underwriter (CLU) designation which is the global benchmark of expertise in the areas of life insurance, business and estate planning. The Long-Term Care Professional (LTCP) is the premier designation of the long-term care insurance industry, a mark of excellence that distinguishes recipients as the elite in the field. Alex currently holds a license in Accident and Health and Life Insurance in California.


Bardia Farhadian, Insurance Broker – License #0H24956

Bardia has been working in the insurance industry for the last few years. Initially starting on the property and casualty side Bardia decided it was time to transition to the medical insurance sector once the Affordable Care Act (ACA) was passed. He assisted over five hundred individuals in the first year. Once the individual open enrollment period was closed, Bardia began setting up employee benefit programs for many small businesses in the Bay Area and across CA. He works closely with many of the top HR services and compliance partners.

Bardia currently holds a license in Accident and Health and Life Insurance in California. Bardia is fluent in Farsi.


Due to difficulties with the Covered California website, I thought I was never going to get healthcare coverage. I saw the website for Shop CA Brokers and the contact information. I connected with Bryan Bedrosian and now have health care. He sent me the application form for coverage and walked me through the entire process. He kept me up todate, along with giving me step by step instructions on the process. He was patient and informative. I highly recommend Ryan if you need any assistance!

Jane M.

San Francisco, CA

I spent a whole week trying to figure out how Obamacare actually worked through the Covered CA website. Just when I thought I had it all figured out with my subsidy and the plan I was going to choose, I DID NOT QUALIFY!  I couldn’t believe it, I spent at least 8 hours on the computer this past week doing everything I was requested to do, and in the end all it did was frustrate the living heck out of me.  I was about to give up and just go without insurance as I have in the past, but my wife randomly found the phone number to Benefit Agents and I was connect with Arman.  In 2 minutes he knew exactly what was wrong with my application and was able to walk me though the process of designating him as my agent.  He was then able to view my application through his computer and made the necessary fixes and got my wife and I enrolled.  5 minutes compared to 8 hours.  These guys deserve a lot more praise than any agent I’ve spoken to in the past.  5 star service, I highly recommend them to anyone.

Alex M.

Los Angeles, CA

I needed to have covered California insurance for my daughter and her family inasmuch is my son-in-law does not have the time to make the necessary inquiries due his work schedule. Ryan Bedrosian name came up on the computer screen and fortunately for me because he was able to facilitate the application to be submitted for covered California. Needless to say it was truly gut wrenching experience trying to contact covered California,however, we were able to resolve everything to my satisfaction. What I liked most was his willingness to accept all my phone calls, as busy as he is.

Martin C.

Palm Desert, CA

I submitted a new application on CoverCa website and was waiting for more than 3 weeks without any news or progress.

The application was stuck at Eligibility check stage. At that time I was desperate for help and called the CoverCa tool free number and waited over 1 hr and still cannot go thru. The same goes for their website’s chat that has 150 to 200 people waiting and would eventually kick you out of their system.

According to CoverCA health cost estimate tool, our family of 4 should be getting a few hundreds dollars of subsidies per month but after I went thru the whole online enrollment process at CoverCA, the system quoted me a ZERO subsidies per month!!!

So, thru. Google Ads, I found Bardia Farhadian from Benefit Agents. With my permission, he was able to see my case on his computer. He then step thru. all the info I have previously submitted and made a few minor but “critical” corrections.

Finally he performed the “M A G I C     T O U C H” by calling the broker’s dedicated support team / specialist inside of CoverCA and I got a call the next day with a Cover CA case number.

We were very happy that we also received the correct amount of subsidies and this alone is a great deal of money, over $4500 per year!!!

With this case number, I was told to wait about 5 days and call BlueCross for enrollment. I am now enrolled and have the peace of mind…

Overall, the process was very smooth, Mr. Farhadian was very professional and patient and informative. Thanks so much for your professional service!!!

p/s: He also saved me $400 (per year) plus for Auto Insurance!!!

I seldom give review but thru Yelp I was able to get very valuable consumer advises and save time filtering out the GOOD companies to do business with. Benefit Agents is definitely one of the good companies out there and one that will get the job done and save you a lot of $$$$ and time.

Joe A.

Rowland Heights, CA

If you have questions about Covered CA, the private insurance market or are thinking about making a change to your existing policy, then you need to call Ryan at SHOP CA Brokers.   He knows all the little details about Covered CA and the private insurance market that other agents won’t disclose to you or just do not know. I called at least five different San Francisco insurance agencies before I found Ryan. He streamlined the process in less than 15 minutes by asking if I qualified for subsidies through Covered CA. I am in between jobs at the moment and could still be unemployed in January 2014. At least I have the comfort of knowing that the government will help pay my premium if I cannot find work but then. In the meantime, Ryan helped me find a Blue Shield high-deductible HSA plan that is $130/month that will allow me to see all of my current doctors. Then toward the end of the year I will re-evaluate my situation. I am excited to have a new medical plan and wonderful new broker that will be there for me when my situation changes.

Also, it is important to note that Ryan did not try to push me off the phone when I kept asking questions.  I still email him from time to time to get his take on certain policy provisions and he still responds quickly (in less than an hour).  A+++++ Service.

Gwen O.

Oakland, CA

I’m so glad I selected Ryan to steer me through the process of signing my wife up for Obama Care via Covered CA. Even though the online enrollment process is FUBAR for both the federal and state sites I finally had success thanks to Ryan’s guidance.

Just as an example Covered CA asked for additional documentation regarding household income and citizenship for my wife who is Canadian. The site gave 3 methods  for providing this documentation: 1- Download to the site but the site does not have any provision to do so; 2- Snail mail (which wouldn’t work because the deadline for them receiving it was only 2 days from the date I received the request), and; 3- FAX it (but I have no access to a FAX machine since I am currently in Mexico)
Ryan’s solution to this dilemma was for me to send him the documents as an attachment to an email to him which is what I did. In turn he Faxed all 6 pages to Covered CA before the deadline and Kaiser was able to accept the first payment and my wife is now a member there.

Bob D.

Chula Vista, CA

Platinum 90


Gold 80


Silver 70

Silver 70

Bronze HSA


Bronze 60


Enhanced Silver 73 Policy

Silver 73

Enhanced Silver 87 Policy

Silver 87

Enhanced Silver 94 Policy

Silver 94

Eligibility Chart

Your FPL must be between 138%-400% to qualify.

FPL chart 2016

Your FPL must be between 138% -400% to qualify.

FPL chart 2016

Qualifying Life Events

A Qualifying Life Event would be considered:

  • Marriage, having a baby, adopting a child or placing a child for adoption or foster care, moving outside your
    insurer’s coverage area, gaining citizenship, leaving incarceration.
  • Gaining status as member of an Indian tribe. Members of federally recognized Indian tribes can sign up for or
    change plans once per month throughout the year.
  • For people already enrolled in Marketplace coverage: Having a change in income or household status that affects
    eligibility for premium tax credits or cost-sharing reductions.
  • Losing other health coverage—due to losing job-based coverage, divorce, the end of an individual policy plan year
    in 2014, COBRA expiration, aging off a parent’s plan, losing eligibility for Medicaid or CHIP, and similar
    circumstances. Important: Voluntarily ending coverage doesn’t qualify you for