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 Health Insurance in California
Health Insurance in California

California health insurance

Having a suitable health insurance plan is part of being adequately prepared for the future. With the increase in the costs of health care in the country, a serious illness or injury might force you to incur costs that might destabilize you financially. For these reasons, it is essential to have a good health insurance plan that caters to every possible need that you might have. If you are a resident of California, learn about your health insurance options, right here.

Individual health insurance in California

If you are unable to find group health insurance because of any reason, you might consider your options in individual health plans from private carriers. Even though these plans cost more compared to group plans, it is always better to have one rather than going totally without a health insurance plan.

Under individual and family plans, you have options between HMO, PPO and POS type of plans. You can go for plans that are HSA eligible, in order to make significant tax savings.

The cost you have to bear for these plans depends on the benefits that are included, your premiums and the deductibles charged. You also need to consider other aspects like coinsurance and co payment before going for a plan.

High risk pool in California

People who are unable to secure insurance from private carriers can look at the high risk pool provided by the state of California. You can find these plans under the MRMIP.

Insurance for small business and groups

Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.

Coverage under COBRA

Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of California. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.

California Medicaid plans

Medicaid plans are also offered in the state of California under MediCal. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.

Other plans

California also offers the SCHIP health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.

Easy Quotes from the Top California Health Insurance Carriers

Our service is the best way for you to secure the most suitable California health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.

An easy, fast and free way to find California Health Insurance

Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.

Health Insurance in California

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