Understanding the Different California Health Insurance Plans
Health for California makes it much easier for you to understand the different health insurance plans and what they cover. You’ll be able to make a comparison between the various plans and choose the one that meets your health and budget needs. The choice is all yours.
Once plan options appear, you’ll see rates, metallic tier choices and benefits from all the different carriers in California. Additionally, you’ll see if you qualify to get government assistance, which will enable you to receive discounted rates.
Your quotes will include:
Carrier name (Kaiser Permanente, Anthem Blue Cross, etc.)
Plan category (PPO, HMO and EPO)
Plan type (Bronze, Silver, Gold or Platinum)
Total price of the plan
Price you will pay
Subsidy you qualify for
The good news is that there is a health insurance plan for everyone. You don’t necessarily have to be a U.S. citizen to be eligible for medical insurance in California. And no insurance company will refuse to cover you simply because of a pre-existing condition.
Which Is the Best Health Insurance Plan for You?
Whether you are a family with many doctor appointments or one that just wants to be covered for emergencies, there is a plan to match your needs. The most popular plan types are Bronze, Silver, Gold and Platinum.
Learn more about all the care plans below.
Bronze 60 Plan: With this health plan, you will make small monthly payments while still receiving coverage for a few checkups and preventative care. However, you will have to pay a little more if you need to see a specialist. This plan is particularly ideal for young people with no dependents. If you don’t expect to see the doctor much this year, then this might be the right plan for you.
Silver 70 Plan: With this plan, you will make average monthly payments while getting affordable health insurance coverage in California that covers all the basics and more. However, you’ll spend a little more if you need outpatient surgery or visit the hospital. This plan is perfect if you are a person who works hard to ensure your health is always in check.
Gold 80 Plan: This is an excellent comprehensive health plan. You will make modest monthly payments and have low out-of-pocket costs in case you see a specialist or visit a hospital. The best thing is that you’ll have a lower deductible to meet, saving you a lot in the long run.
Platinum 90 Plan: With this health plan, you will make higher monthly payments, and receive regular physician visits, emergencies and preventative care, without having to meet a deductible. It’s a great plan for individuals and families looking to save on out-of-pocket costs.
The least expensive health insurance quote on each metallic plan is found on the left. If you want to see additional plans at higher prices, you can scroll to the right. All the plans in the same metallic tier offer the same benefits with a few exceptions.