“Karen goes over and beyond. With Karen it’s not about the money, it’s about how she can help people. She has such a big heart and cares about people first. I have worked with Karen over 15 years and when I left my job, I called Karen to become our broker at my new company because I knew she would work for the employees to get the best insurance benefits and cost for them. Since I retired, Karen has helped me not only with my insurance needs with Medicare and supplemental but has helped me figure the best insurance for my sister in Utah and getting her Extra Help. I would refer Karen to anyone that needs help because she cares.”

Lorna Ivy, Retired Human Resources and Accounting Director

My Benefits Coach International is the only benefits resource you should trust. Karen will assess your needs and design a package of best options tailored to your specific situation. It doesn’t end there though. Karen never lets you walk alone, ensuring you know everything you need to know and if needed, she’ll teach you what you don’t know. In a nutshell, Karen and her team are the best at what they do, end of story. We should always want the best team on our side, shouldn’t we?

Todd Greene

For many years, Karen has guided us through the maze of individual, family and business health insurance plans (involving three different states), during which time she has been responsive, competent and caring. We have always felt that we are getting the truth about the pros and cons of any particular option. Karen is a “straight shooter” who will not recommend a plan based upon her commission. In fact, some of her recommendations over the years have been for our benefit and to her own financial detriment. If I could give her six stars I would!


Karen is gracious, very well informed on available plans and effective in explaining the complexities of the different benefit menus.
I have referred several friends to her for assistance and all have been extremely pleased and grateful for her help. A true professional in her field!

Paul Sibel

Karen has been the insurance broker for our small business for 17 years! We appreciate that she always looks out for us to make sure we get the best insurance we can for the money. She is available to assist any of our employees navigate their insurance questions. Throughout the entire time we have worked together Karen has always been outstanding!

Ronald Bark

The past year, I had the pleasure of connecting with Karen Hsu and she not only provided professional support but also showed humane care and attention to the troublesome time I was going through. Karen was able to guide me through the ropes, which enabled me to help my family. Truly grateful for the help and support.

Fernando Lefort

There’s only one word to describe Karen….Phenomenal!!!! I attended one of Karen’s workshop lunches back in late 2019, and was just amazed at her knowledge of anything related to Medicare.
I made the decision to retire in April this year after having contracted Covid-19 and being hospitalized in 2020. I am a “long-haul” Covid survivor still suffering with “brain-fog” and found the process of signing up for all the different parts of Medicare daunting. Karen made herself available all throughout the process and accessed my needs and came up with the best options for me. She even came out to my location and helped with filling out the applications for Medi-Gap and Medicare Part D as I did not feel comfortable doing so on my own…brain fog and all. Not only is Karen PHENOMENAL, she is an angel!!

Nigel Farrell

Karen Hsu has been my medical insurance advisor for 3 years.
She provides excellent service & support. I appreciate her commitment toward meeting my needs.

Susan Lyerly

I have been working together with the team now over 10 years (!!!). Karen is an amazing resource for our company benefits. She knows her way around the insurance machine. If we have any employees that have trouble with getting care or help navigating the system once they’ve received it, she’s only a phone call away. She’s also so knowledgeable about Medicare she’s helped some of our employees work on that transition.

Melissa James

Karen went far beyond expectations in finding the Prescription Drug Plan that worked to my best advantage financially. She was great in helping me through the “puzzles” of enrolling in Medicare and ensuring every “i” was dotted and every “t” was crossed. AND – She’s an exceptionally warm and fun person to work with!! I’ve referred a good number of friends to her and they’ve been most appreciative.

Robert (Bob) Berg

Karen continually puts her clients first and is very knowledgeable to make sure they are able to make an educated decision about what is best for their situation. She is one of the most loving and caring people I know.

Greg Barson

Karen Hsu takes the complexity of health insurance coverage and simplifies it for you. She was incredibly responsive from our initial inquiry through each of our follow up questions. Karen’s insight and experience in navigating, as well as understanding the various coverage options in conjunction with cost is a skill borne from a sincere care for her clients coupled with her deep knowledge of health insurance industry. We’re very grateful to have come to know and utilize Karen’s services as you will be as well.

Jeff Koller

Karen Hsu is a health insurance genius. She is beyond knowledgeable, beyond helpful and just plain awesome. She’s highly responsive with a huge heart- she truly cares about her clients. I highly recommend working with her, she will take wonderful care of you!

Tara Gladwin

I have been working with Karen Hsu at My Benefits Coach for many years. I only work people I trust and that put quality and customer service first…and that is Karen hands down!! Any time I need her help for a client she is there…day or night. She and her team make every client feel like they are their “only” client. She is a master in her industry and is a wealth of knowledge. She goes above and beyond for her clients every time!!
If you are looking for a Health Broker that is there to serve you…look no further then Karen Hsu.

Dawn Witmondt

The My benefits coach team is amazing!!! Love working with them they are on top of all of our medical plans ready to assist.

Stephanie Shaults

Karen has been instrumental in providing support beyond insurance. She offers a unique perspective and business insight. She has been integral to our business.

Yolanda Barron

Karen cares! She goes above and beyond for her clients and it shows. They love her!!!

G Sorrentino

I have had the pleasure of working with Karen Hsu over the past five years in different capacities and she is the first person I think of when the term “Trusted Advisor” is mentioned. Karen has decades of experience being on the front-lines of every change in our industry, including innovation and technology. Anyone working with Karen will agree they are in great hands. – Tommy Gaffney – Vice President National Sales – Evolved Benefits

Thomas Gaffney

I have known Karen for close to 24 years, after a chance meeting while calling on clients in San Diego. I believe I held an elevator door open for her. Simple as that.
But I must say that I have yet to meet anyone since in her chosen profession that is as bright, helpful, knowledgeable and genuinely concerned about their fellow man as is Karen.

In those 24 years she has represented me while I was employed with a then fledgling company that grew to some 200 employees. Then later with my own company and the employees to whom I’ve also introduced her.

A lot has changed in the Benefits and Insurance industry in those 24 years and through all that time Karen has kept up to speed with those changes. And as for those personal touches, she asks about my wife each time we speak, she personally advises my employees when necessary. And she has never not returned one of my calls.

If there’s a better person out there in her field I’d be hugely surprised.

Taylor Morse Logo
Mace M. Morse III

[Actual recommendation by email introduction from a client to a prospect who gave permission to use her name, title and company info. MA Engineers, Inc. is a San Diego-based, award-winning engineering firm:]

Good morning Karen and TK,

I wanted to make an introduction. TK is a Tierrasanta business owner and all-around great guy. We were chatting at a birthday party over the weekend regarding benefits for his business and, of course, the first person in any conversation like this is Karen Hsu. Karen and I have been working together now over 10 years (!!!). She is an amazing resource for our company benefits. She knows her way around the insurance machine. If we have any employees that have trouble with getting care or help navigating the system once they’ve received it, she’s only a phone call away. She’s also so knowledgeable about Medicare she’s helped some of our employees work on that transition.

I can’t say enough wonderful things about Karen. TK is also pretty darn great. 😉 I hope you two can connect to help with your benefits package.

I hope you all have wonderful Fridays, great long weekends, and in general are staying well.

Thank you!

Melissa James
Accountant/HR Coordinator
5160 Carroll Canyon Rd, Suite 200, San Diego, CA 92121
D 858.779.3320 | O 858.200.0030 | F 858.724.3327
mjames@ma-engr.com I www.ma-engr.com