California Health Insurance
Affordable California Health Coverage Options

Now is the time to look at your options for affordable health insurance in California for next year. Wherever you and your family live, you face the uncertainties of an upcoming Presidential election and the challenges of the COVID-19 pandemic. California is no different!.  Now, more than ever, it is important to select the BEST health insurance for your family and do not pay more than you have to.

Where can you turn to for independent expert advice? TrueCoverage provides helpful resources and guidance that help you to select the most affordable health insurance plan that meets your specific needs. Remember, the Open Enrollment Period starts November 1st and runs through December 15th 

Save any last-minute headaches and rushed decisions by selecting your California Health Insurance coverage soon.   The TrueCoverage team is here to help by providing a pre-registration service. Let us know what you need.  We will contact you with a selection of health coverage packages tailored to you, your family, or your business.

TrueCoverage Affordable Health Care California Statistics

Exploring Affordable Health Coverage in California

 

You can look for cheap health insurance in California. But as we all know, the policies with the lowest monthly payments (your insurance Premium) may not be your best option.

 The REAL price of health coverage depends on many variables. Deductibles and copays increase costs and Tax relief on your premiums, state insurance subsidies and discounts on your medical supplies can LOWER your medical expenses. A premium might look high at first, but the total amount you spend on medical services could be much lower!

 If you qualify for Medicare, you should explore the Medicare add-on plans.   California has many options. About 15% of the population has enrolled in Medicare, although 43% of these participate in a Medicare Advantage plan. Medicare Advantage and Medicare supplemental plans could save you a LOT of money.

The Coronavirus Pandemic, COVID-19 Testing, and the FFCRA

COVID-19 is the hot topic health insurance issue in California. If you lose your health insurance due to COVID-19 or your employer closed because of the Coronavirus, testing is available at no charge. The Families First Coronavirus Response Act (FFCRA) passed in March 2020, ensures that everyone can receive COVID-19 testing.

Symptoms and Prevention from Coronavirus

See our 5 top California health insurance companies at the bottom of this page.

Key Details about Health Insurance in California

California is also one of the States that protect consumers from ‘surprise’ billing (see our blogs When is a surprise not a surprise? When it’s a SHOCK! and Joe Biden – building on Medicare).

New California law (AB 5) that took effect in January 2020 has implications for a number of independent contractors, who were reclassified as employees as of 2020 and therefore eligible for greater labor protections.

Despite these advantages, California Health Insurance is more expensive than in many other states.

So it is even more important to make sure you’re getting the best advice.

Exploring the Health Insurance Marketplace in CA

California residents can sign up for health insurance using private insurance exchanges. These marketplaces offer more ACA-compliant plans than the state, which only deals with a handful of insurers.

As a private exchange, TrueCoverage is bound by the same rules as the California exchange but has access to hundreds of insurers.

With Health Insurance Exchanges, you gain access to ancillary insurance options like:

  • Dental,
  • Vision,
  • Accidental Death,
  • Critical Illness,
  • Disability,
  • Life,
  • Medicare Advantage, Medicare Supplementals,

Benefits of Working with a Health Insurance Broker

TrueCoverage is a Certified Direct Enrollment Partner of Healthcare.gov.  We specialize in offering local knowledge and affordable California health insurance solutions.

We offer more health insurance plans than any other resource in CA, and our unique technology quickly delivers the ‘BEST VALUE’ insurance policies that address your needs.

Like brokers in every state, TrueCoverage must operate without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. As brokers, we search for policies that best meet your needs. We also assist you throughout your contract. For example, if a dispute arose with your insurer, TrueCoverage steps in to help. If you benefit from a Special Enrollment Period, we’ll be there.

TrueCoverage is familiar with your state’s unique insurance rules, and we understand the California health insurance options from the largest carriers, to the smaller specialty health insurers.

The Top 5 Health Insurance Companies in California

Choosing from over 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have identified the top five health insurance companies in OK.

These ratings, from The National Committee for Quality Assurance (NCQA), are based on Consumer Satisfaction, Preventive Care, and Medical treatment.

More details about the top 5 Insurance companies in California

The NCQA rates these ACA-compliant health plans as the BEST in California:

  • Capital District Physicians’ Health Plan, Inc
  • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc
  • Tufts Associated Health Maintenance Organization, Inc
  • Anthem Health Plans, Inc
  • AultCare Insurance Company

 

All ACA-compliant and Medicare plans have a star rating based on similar criteria.

Click below to learn more:

NOW is the best time to select your ACA Affordable California health insurance, BEFORE Open Enrollment starts on November 1st, 2020.

affordable health insurance

Looking to find affordable health insurance?

Click on the button below to and connect with our agent to get insurance in 24 hours.

10 Core Health Services Mandated for all ACA Compliant Plans

Before the Affordable Care Act became Federal law, insurers could refuse to cover various health benefits, resulting in overwhelming debt to many people. The ACA fixed those loopholes and required all qualifying plans to carry these coverages (in California and all states):

  • Emergency services
  • Prescription drugs
  • Ambulatory patient services (Hospital services that don’t require an overnight stay)
  • Hospitalization
  • Laboratory services
  • Maternity and newborn care
  • Pediatric services (for children), including dental and vision care
  • Mental health and substance abuse services
  • Preventive and wellness services, including chronic disease
    management
  • Rehabilitative/habilitative services and devices

California operates a state exchange (Covered California) recognized by many as one of the country’s most successful. There are, however, currently only 11 insurers who are members and not all of them offer plans in every one of the 16 rating areas. The state does not allow short term coverage nor does it allow self-employed individuals or partnerships to purchase ‘small group’ health insurance (association health plans).

California is one of the parties defending the Texas-led attempt to invalidate the ACA. The case is still before the courts and will almost certainly not affect the health insurance plans for 2021.

Did You Know?

Named after a mythical paradise called California in a 16th century Spanish novel, the Golden State became the 31st state in 1850.

Fun fact

Having the oldest and tallest living things in the world within the state is one thing (“General Sherman,” a 3,500-year-old sequoia, a stand of bristlecone pines 4,000 years old, and “Hyperion”, a coast redwood standing 379.ft tall), but  California also has the highest and lowest points in the continental United States within 100 miles of one another; Mount Whitney measures 14,495 feet and Bad Water in Death Valley is 282 feet below sea level.

 

Sources:  National Geographic; Infoplease; 50states; coolkidfacts