Affordable California Health Insurance

Does Affordable California Health Insurance Exist?

If you've been bombarded by reports about escalating health care costs, you might think there is no chance of getting affordable California health insurance for you and your family. 1.5 million people in California are covered by individual health plans instead of being enrolled in an employer's group plan.

Shopping for Affordable California Health Insurance

Depending on exactly where you live, there may be as many as 31 different benefit packages available. Premiums vary tremendously with price differences by hundreds of dollars a month so you need to do some careful shopping in order to find the best coverage as well as to find affordable California health insurance. The California HealthCare Foundation reports that a healthy 44-year-old living in Los Angeles might pay between $69 and $573 a month for health insurance, depending upon the type of health plan chosen. To find affordable California health insurance, you need to balance the cost of your premium against your out-of-pocket expenses. You may be able to qualify for a temporary policy which provides affordable coverage for a period of several months to a year. While these policies provide affordable coverage in times of need, you need to know that it typically covers emergencies or catastrophic illnesses only.

What Consumers Need to Know About Affordable California Health Insurance

The State of California sponsors a number of programs offering free or low cost health insurance to children, people with AIDS, and pregnant women. There is also availability of coverage for those who have been denied coverage on the open market due to health status. Some of these programs have no income eligibility criteria. Another good option for finding affordable California health insurance is to check with the California Dept. of Insurance for more information about licensed brokers and companies in CA. And keep your eyes on the Democratic legislators in CA, many of whom want to do away with private coverage and create a single-payer system which would be supported by taxes. But until then, keep searching because it is possible to find affordable California health insurance if you do your homework and start asking questions.

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