Joe H. Flores, JD, MBA has spent the last 26 years happily helping others navigate the ever-changing healthcare industry. Joe guides Individuals as well as Employers to manage their insurance options in today’s world.

As the CEO of Flores & Associates Insurance Services, Inc., and as an independent agent/broker, Joe is an industry expert with real-world experience.  Joe brings exceptional expertise in Medicare, the Affordable Care Act (ACA), and he brings a multitude of Life Insurance options to the table. Joe is aligned with a number of Major Insurers and the Agency offers a variety of choices in plan selections and strategies to suit your needs. Joe is licensed in 21 states with more to come too.

He is also a local guy in a corporate world – he shares your sense of community and he’s just like the people he serves. Joe met his wife Dina of 24 years at Long Beach State University, where he earned his BS in Business Marketing and Management and they live here. Joe and Dina love spending time spent raising, supporting, and encouraging their children. With his sons Paul (20) and John (15), along with daughter Ruby (13), Joe is active in the community, participating in various activities including LacrosseBaseball, and the Scouts.

Soon after relocating to Roseville in 1994, Joe worked for Foundation Health and then Health Net in Medicare Sales. After earning his MBA from National University, Joe served Western Health Advantage as their Medicare Operations Manager. He then decided to continue his formal education and in 2005 earned his Juris Doctor degree from Lincoln Law School of Sacramento because he knew studying law would help him to keep up to date and allow him to be always offering his clients and agents the best advice on the latest healthcare legislation and industry changes.

Joe has always believed in giving back and serving the community too. To this day he remains an active Board Member for both the Roseville Host Lions Club and the Roseville Area Chamber of Commerce as is well-known and well thought of in the community.

Having someone as knowledgeable, caring, and invested will definitely be an asset for you. Give Joe a call and see how he can help you too.

CA License number #0C47455

Also licensed in:

Arizona, Colorado, Florida, Hawaii, Idaho, Illinois, Kansas, Maine, Missouri, Montana, Nevada, New Mexico, North Carolina, Ohio, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin, and adding more…

Roseville Press-Tribune

Best of the Best Insurance Agency 2020 & 2021

ABOUT ME

Joe H. Flores, JD, MBA has spent the last 26 years happily helping others navigate the ever-changing healthcare industry...

TESTIMONIAL
  • Caring About The Young Minds

    Thank you for caring about the young minds. You will be giving them a chance to grow… The love of reading has lasted me lifetime.

    N. SIMONI
  • I TRUST HIM WITH MY FAMILY . . .

    “Joe saved me bundles per month, I trust him with my family healthcare coverage.”

    L. DICKINSON
  • A TRUE MASTER OF HIS CRAFT

    “I owe a huge thank you to Joe for helping me out with my health insurance! He walked me through a confusing process and made it simple and clear. Not only was he super knowledgable about every angle, he found me a plan that was easy to understand and more affordable than anyone else! I cannot truly express my gratitude for what Joe was able to do for me and my family! A wonderful man who is a true master of his craft. Thanks a million Joe!”

    N. SIMONIB. BRILEY
  • TAKE AWAY THE STRESS FROM INSURANCE

    “We appreciate everything you do! You are a big part of our recovery. You take away the stress of the insurance issues, which are such a large part of this.”

    F. BOSTON