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California Health Insurance
	Enter Zip Code: Individual & Family Small Business Group Medicare

California Health Insurance Companies
Aetna Assurant Blue Cross of California Blue Shield of California Golden Rule Health Net Kaiser Permanente of California PacifiCare
Learn more about each health insurance carrier in California and their respective insurance plans - CaliforniaHealth Insurance Plans.
Learn more about each insurance carrier here: Aetna, Aetna, Aetna Area A, Aetna Area B, Aetna Area C, Aetna Area D, Anthem, Blue Shield, Blue Shield, BlueCross CA Freedom Blue, BlueCross CA Senior Secur, Health Net, Kaiser, Mutual of Omaha, Tonik
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Compare health insurance quotes from nearby states: Arizona Health Insurance, Nevada Health Insurance
California Individual Health Insurance
Increasing Insurance Costs: With the increasing cost of providing health insurance for you and your family, the prospect of finding affordable health insurance is both daunting and confusing. Health insurance premiums have risen 61% in California in the past 6 years, according to Families USA. In fact, about 15,157,520 CA adults do not have insurance at all, according to Kaiser Family State Facts. But family health insurance is essential and luckily, there is no need to feel you are alone when selecting a plan. If you reside in California and need to find a better family health insurance plan or obtain health insurance, Health Plan One can help you review all possible insurance solutions. Fill in your zip code above to get an instant online insurance quote for your family health insurance plan. Individual health insurance coverage should be pursued when your employer does not offer health insurance as a benefit, when you cannot be named as a dependent on another person’s policy, or when you are not a member of a professional trade association that offers group coverage. In California, medical underwriting is allowed without restriction. Medical underwriting is the process that allows insurance companies to review the medical history of prospective members. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 12 months for any preexisting conditions and impose a 12 month exclusionary period for coverage of one or two people. For coverage of three or more people, the carrier may impose a 6 month look back and exclusionary period. California offers a health insurance plan to the medically uninsurable called the Major Risk Medical Insurance Program (MRMIP). You may be eligible for this program if you are not able to obtain health insurance due to a medical condition, you are not eligible for COBRA, CalCOBRA, HIPAA, or Medicaid/Medicare, and you are a resident of California. Coverage under high-risk health insurance includes: Hospital Inpatient Care Medical and Surgical Services Maternity Family Planning Emergency Care Reconstructive Surgery Prescription Drugs Mental Health Benefits Rehabilitation Durable Medical Equipment Home Health Services Organ Transplants Hospice Services
Connecticut Health Insurance High Risk Pool
In California, medical underwriting, the process that allows insurance companies to review the medical history of prospective members, is allowed. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 12 months for any preexisting conditions and impose a 12 month exclusionary period for coverage of one or two people. For coverage of three or more people, the carrier may impose a 6 month look back and exclusionary period. California offers a health plan to the medically uninsurable called the Major Risk Medical Insurance Program (MRMIP). You may be eligible for this program if you are not able to obtain health insurance due to a medical condition, you are not eligible for COBRA, CalCOBRA, HIPAA, or Medicaid/Medicare, and you are a resident of California. Coverage under high-risk health insurance includes hospital inpatient care, medical and surgical services, maternity, family planning, emergency care, reconstructive surgery, prescription drugs, mental health benefits, rehabilitation, durable medical equipment, home health services, organ transplants, and hospice services.
California Group Health Insurance (Small Business: 2-50 employees)
Group health insurance offers certain advantages over individual health insurance policies. In California, medical underwriting is allowed with group insurance as well. Rates may vary by plus or minus 10 percent of the indexed rate based on the health status of the group. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 6 months and impose a 6 month exclusionary period for those that did not have prior medical coverage.
California COBRA and Cal-COBRA Health Coverage
California offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost. For example, to job loss, reduction in hours worked, death, or divorce. Cal-COBRA extends COBRA-like benefits to employees and dependent spouses and children of firms of less than 20 employees.
Medicaid in California
Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements. Income Requirements: Children Ages 1-5: 133% of the Federal Poverty Level Ages 6-19: 100% of the Federal Poverty Level Pregnant Women and Infants Pregnant Women: 200% of the Federal Poverty Level Infants - Ages 0-1: 200% of the Federal Poverty Level Parents Non-Working Parents: 100% of the Federal Poverty Level Working Parents: 107% of the Federal Poverty Level Other Populations Medically Needy Individual-83% of the Federal Poverty Level Medically Needy Couple-97% of the Federal Poverty Level Supplemental Security Income Recipients: 74% of the Federal Poverty Level Aged, Blind and Disabled-100% of the Federal Poverty Level Covered Services: Doctor visits, laboratory and x-rays, hospital and nursing home care, home health care, prescription drugs, dental care, eyeglasses, hearing aids, medical equipment, ambulance services, and hospice. Co-Payments: Costs vary, however, there are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services. You may learn more about California Medicaid at http://www.medi-cal.ca.gov/.
Other California Health Insurance Programs
Healthy Families is available for children up to age 18 with family incomes up to 250% of the federal poverty level and that do not qualify for Medi-Cal. The plan provides low cost health, dental, and vision coverage to uninsured children in working families. Please visit the website for more detailed information a http://healthyfamilies.ca.gov/hfhome.asp. California Kids is another option for children ages 2-18. Please visit their website for eligibility information at http://www.californiakids.org/. C-CHIP (County Children’s Health Initiative Program) allows counties to use county funds to match available federal funds allocated to California to provide needed health care services for certain children. Contact the CA Department of Insurance for more information. AIM (access for infants and mothers) provides low cost health insurance coverage to uninsured, middle income pregnant women. Contact the CA Department of Insurance for more information.
More California Health Inurance Information
Schwarzenegger Health Insurance Plan Would Drive Up Costs San Francisco approves universal health care coverage NCQA Recognizes Blue Cross of California for Physician and Hospital Quality Measures Blue Cross of California Delivers $2.68 Million to Community Organizations in 2006 Medicare Announces Additional Collaborative In California Aetna Opens Office In Sacramento