Thanks you both for your support and advice!
I heard back from ArtRisk and ArtLight and they both told me that the enrollment period is until Jan 31st in California. That's interesting because we have some more time. We are going to investigate United Healthcare, Blue Shield, Anthem and Cigna.
We also read that the agency and lawyers don't need to be close from home since everything can be done remotely. Is there any benefit from having them close? Of course, the lawyer should, at least, be from your state but other than that...
We are also investigating fertility services. Let's see what we find.