California Health Insurance

California, the "Golden State," may be the land of sunshine, but that doesn't make you immune from illness or incident. A simple childhood cavity or flu can cost families hundreds without the right health plan. Whether you are looking for health insurance for your family, yourself, or are just looking to change health care providers, we can help you find the information you need to make the right choice.

Request a California health plan quote here!

California Family Health Plans (CA)

Finding the right family plan can be a very frustrating thing. Here are some things to help you make the best choice. Family's can be covered under either individual or group health plans. A great thing about group health coverage is that you cannot be denied due to any pre-existing conditions. The only way to get group health coverage is if you belong to a group or company which offers group health plans. Group plans fall into one of these four categories; HMO, PPO, POS, or HSA. If your employer or group doesn't offer a health benefits package, then you may want to look into an individual plan. You should consider a number of different carriers in your area to find out what individual plan would be best for you. But keep in mind that individual health carriers can deny you based on your health. Fortunately we have a lot of carriers in our network that we can help to match you up with.

If you cannot afford health insurance for your family, you may qualify for Healthy Families, a program for low income families.

Individual Health Coverage in California (CA)

As an individual looking for coverage for one person, unless you have a preexisting condition, it should not bee too difficult to find a plan that works for you. If your employer offers a group health package, that is generally your best option. But if not, you should still be able to come across a quality individual health plan. Whether they are self-employed, unemployed, or work for a company who does not offer a health benefits package, there are many different providers who can provide a quality individual health plan to best suit the needs of you or your family.

Request your free health plan quote here!

Health Insurance Carriers in California (CA)

• Aetna
• AFLAC
• AIG
• Alliance for Affordable Insurance
• American National
• Assurant/Fortis/Time Insurance
• Bankers Life and Casualty
• Blue Cross and Blue Shield Association
• + Blue Cross of California
• + Blue Shield of California
• Chesapeake Insurance Group
• CIGNA
• CMA Alliance
• Cornerstone Marketing
• Golden Rule Healthcare
• Great West
• Health and Life Direct
• Health Net
• Humana
• IAB Health Benefits
• Kaiser Permanente of CA
• MEGA Life and Health
• Mid-West National Life
• Nat Assoc - Self Employed
• Nationwide
• New England Financial
• PacifiCare
• Principal Financial
• Prudential
• Smart Choice Healthcare
• State Farm
• UNICARE
• United American
• UnitedHealthcare

Preexisting Health Condition Insurance Laws in California (CA)

California residents are reporting that they are confused about pre-existing health conditions, and how they can affect their health insurance plans. The confusion lies in the fact that the rules change from group insurance (insurance you get through your employer) and individual insurance (that which you get by yourself).

People with group insurance policies can not be excluded because pre-existing conditions. However, individual insurance carriers in California can and very likely will deny anyone with a preexisting condition unless they are HEPAA eligible.

Get a California health insurance quote today!

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