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When
shopping for an
California health insurance plan, it pays to compare
prices and benefits from different health insurance companies
serving California residents. For
most insurance shoppers, price is the most confusing aspect of the health insurance market
to fully understand.
The monthly premiums for similar product
offerings from different insurers can vary by as much as 50 percent
for the same person. In addition, the rules and regulations
about individual health insurance vary greatly from state to state, making
comparison-shopping a challenge for the consumer.
Finding the right balance between
health coverage
and the underlying costs can be tough, but it is important. So take your search
one step at a time.
Among your choices, you'll find that the
health insurance marketplace in California offers many of the same plans as the group market,
including HMOs, PPOs, point-of-service plans, and traditional
fee-for-service arrangements. Your budget, physician preferences,
flexibility and benefit requirements will all have a hand in deciding which type
of health plan is best for you.
Start your free no-obligation health insurance
quote now
California
Health Insurance Statistics and Health Insurance Reform Info
|
CA |
US |
| # of HMOs |
30 |
424 |
|
HMO enrollment |
17.14M |
66.05M |
|
Small Group Health Insurance Reform |
|
|
| Applies
Community Rating |
No |
15 states |
| Limits
Pre-existing Condition exclusions |
Yes |
48 states +
DC |
| Mandates
Guaranteed Issue |
Yes |
50 states +
DC |
| Mandates
Guaranteed renewability |
Yes |
50 states +
DC |
|
size of groups for which requirements apply |
2-50 |
varies |
|
Individual Health Insurance reform |
|
|
| Applies
community rating |
No |
10 states |
| Limits
Pre-existing Condition exclusions |
Yes |
31 states |
| Mandates
Guaranteed Issue |
Yes |
50 states +
DC |
| Mandates
Guaranteed renewability |
Yes |
50 states +
DC |
| Patients
Rights Requirements |
|
|
| Mandates
external review |
Yes |
45 states |
| Mandates
health plan liability |
Yes |
10 states |
| Bans
Financial incentives to providers |
Yes |
32 States |
|