Where can I find affordable cheap health insurance in California?
Getting health insurance has never been easier, thanks to the Affordable Care Act. Before Congress approved healthcare reform, it used to be difficult for many people to buy insurance for themselves and their families.
Health insurance companies were generally not required to cover specific areas of care. If you had a pre-existing condition, the health plan might have charged you a very high premium to get the care you wanted, or may not have been willing to sell you a policy at all. Companies used to have the right to exclude specific illnesses based on your health history.
How have things changed?
Since Congress passed the Affordable Care Act (what some people call Obamacare), insurance companies can only consider three factors when they set your premium (the amount you’ll pay for coverage.) These factors are your age, where you live, and the size of your family. The companies cannot turn you down or charge you a higher premium because have an illness or had one in the past.
Where can I find insurance?
Under the Affordable Care Act, the state set up Covered California, an online marketplace where insurance companies offer plans. The marketplace exists to help you get low cost and affordable medical insurance plans and rates in California.
For 2016, 12 companies are offering plans on the Covered California marketplace, including statewide companies Anthem Blue Cross, Blue Shield, Kaiser and Health Net, as well as eight plans that offer coverage in certain regions: Chinese Community Health Plan, L.A. Care, Molina Healthcare, Oscar, Sharp Health Care, United Healthcare, Valley Health Care and Western Health Advantage.
Is there an easy way to research my options and apply for insurance?
California Insurance Finder lets you select the coverage you need and compare prices at the click of a button. You simply tell us what you need:
- Individual and Family insurance
- Covered California insurance
- Medicare Health Plans or
- Group Health Plans
Then enter your zip code and click to get a free quote. That’s it.
California Insurance Finder is your trusted Orange County source for affordable health care insurance. Our goal is to guide our clients to make an informed selection of insurance plans with the best combination of benefits and price. We start by evaluating your health needs and recommend the best plan, whether it’s a Covered California health plan or one outside the CA insurance exchange.
Visit our website or call us today at 877.840.0554.