Why Choose Us?

When you work with Santa Barbara Health Insurance, you will be interacting with Steve Byrd and/or Rob Cavaness.  They have made the strategic decision to be involved in all aspects of the business.   From starting a new policy to customer service, they take pride in being there for their clients.  With over 50 years of combined experience, you are in good hands with Santa Barbara Health Insurance Solutions!

Insurance Services

Small Group Health | Life Insurance | Medicare Supplements | International | Individual/Family

Small Group Health Insurance

Offering a small group health plan is one of the best ways to attract and retain exceptional employees.  Available for businesses with 2 to 100 employees, small group health insurance is our main focus. Read More >


Turning 65 and qualifying for Medicare is a good reason to celebrate getting a year older. Most people who have worked in the U.S. for the majority of their life qualify for Medicare when they turn 65. Read More >

Long-Term Care Insurance

As you age, you may need help with things you’ve always done for yourself such as shopping for groceries, fixing meals, and cleaning the house.  Someday, you may also need help with personal services like bathing, dressing, or getting around. Read More >

International Health Insurance

What happens when you get sick or have an accident when you are out of the country? Most domestic health insurance plans have very limited benefits once you leave the United States. Read More >

Life Insurance

If you have family members that depend on your income, life insurance should be at the  foundation of your financial plan. Read More >

Individual/Family Health Insurance

Individual/Family health insurance is for people that do not get coverage through work. Read More >


Santa Barbara Health Insurance helped us improve our health benefits and has saved us a significant amount of money. We highly recommend them.

Rob & Steve with Santa Barbara Health Insurance deliver an exceptional level of service and expertise for your health & life insurance needs.  I have referred clients ranging from individual plans up to large corporate plans and they take the same care with all their clients to explain the options and build out the best plan for the specific situation.

Rob and Steve at Santa Barbara Health Insurance have been thorough, professional, and very easy to work with. They helped us transition to a Health Savings Account strategy which benefits our employees and our company.

I have been working with Rob since 2006.  We employ 20-25 employees at any one time and he has always been very responsive to my employees and their spouses.  Every year we review different plans to make sure we have the appropriate coverage at the right price.  I have been very happy with my experience with Rob and would be very pleased to recommend his company to anyone looking for a pleasant hard working insurance broker, with expertise in the ever changing insurance industry.

Our family has been using Rob Cavaness at Santa Barbara Health Insurance for many years. Our insurance needs have always been pretty basic until our daughter was suddenly diagnosed with an autoimmune disease which sent her to the hospital for many days. Rob was right there helping us navigate our current coverage and what options would be most suitable for us moving forward. I cannot stress enough how important it is to have an agent who understands this business and who goes the extra mile for you when it seems like the walls are caving in. I will always be grateful to Rob for giving us the best information and for always just being a phone call away.

Steve has been our “go to” insurance agent when it comes to our medical, life, and disability insurance needs for over 25 years! No matter how our needs have changed, his seasoned expertise and easy to understand advice, is always wise and helpful. With a recent job change, we needed to find medical insurance quickly. Steve’s easy quote system made it simple to compare “apples to apples” so we could be assured of getting comparable coverage, but at a much more affordable price. Thanks Steve, you’ve done it again!

We started working with Santa Barbara Health Insurance in 2008 when our small business needed health insurance. They walked us through options, set us up for success and haven’t left our side. Steve Byrd has been particularly helpful during employee onboarding – explaining benefits, handling paperwork and more. They have been responsive, professional and easy to work with. I wouldn’t hesitate to recommend.

Rob and Steve are wonderful to work with; they go over our plans with the employees, always staying after to answer individual questions. They are clear, humble, welcoming and approachable. They will come by whenever we need them for special situations and are always there for new hires, plan changes, questions about premiums, ACA issues, and whatever else you can think of that relates to their specialty.

I just wanted to send a note to thank you for all of the work you have done for us over the years. We have relied upon your expertise and knowledge for years. Your focus on proactive, professional customer service has been a great benefit to our practice. You have consistently guided us in a professional way through the complex and seemingly ever changing world of employee benefits. I look forward to our continuing relationship. I would highly recommend Steve and his firm to anyone who appreciates great service way beyond the norm.

Rob made the daunting task of changing healthcare providers a breeze; his attention to detail, constant communication and follow up was amazing. If you want someone who is well informed and can help you explore different options for good coverage at an affordable price, Rob is your agent! It’s great to have the peace of mind that my family will be better than “okay” when healthcare needs arise. Thank you Rob.

After my motorcycle accident, my health plan from Santa Barbara Health Insurance really came through. I have been extremely happy with my coverage.

The guys at Santa Barbara Health Insurance are always available to answer our questions and have given us great service. It is almost like they are right next door.

When I broke my wrist skateboarding, the Anthem Blue Cross Tonik plan that Rob set me up with really came through big and saved me from racking up huge debts.

Health insurance is a wild-and-crazy maze. For almost 20 years, Rob and SBHIS has been our guide, helping us navigate all the challenges insurance plans put out and finding a way out of the maze into the sunshine. We are a small business owner, so that made the maze even more complicated—no problem for Rob, who always found a solution that worked for our family. Not sure what we’d do without him!