How to Find California Health Insurance

California is a very large and diverse state, and it has its own unique health insurance rules. If you need to find individual health insurance or a small business health insurance policy in California, you should understand the regulations and markets that are unique to your state.

Group health insurers must accept all employees. However, a business that needs to cover some unhealthy employees may have to pay higher premiums. This can hit small businesses especially hard because they do not have as many people to spread the risk around.

Individual health insurers may not have to accept all applicants. Private insurers can decline applicants based upon their own prior health history. The California high risk system will cover those people who cannot get accepted on another policy, and premiums are subsidized by the state.
Even though California high risk health insurance pool premiums are subsidized, they can still be significantly higher than regular rates.

If you have been declined for health insurance in California, here are the basics of qualifying for the California high risk health insurance pool:

• California Residents
• Not eligible for Medicare
• Not eligible for COBRA
• Not able to obtain health insurance, involuntarily dropped from coverage, or coverage would cost more than the California high risk health insurance plan.

Protection for Californians Losing Other Health Insurance

California residents may be protected against being denied by private health insurance under certain circumstances. If a person has lost group coverage, they may have some guarantees that coverage must be continued. If you are losing your group coverage, because of a job loss, it is important to evaluate all of your options. A qualified California health insurance agent or company can help you.

California has an Active Health Insurance Market

If you need to find a medical plan for yourself, your family, or your business, it is important to shop around. You can find California health insurance quotes with many convenient online insurance quote forms. You can fill in your basic information one time, and then sit back and let local health insurance plans compete for your business.

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