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California Low Cost Health Insurance

California health care costs have outpaced the rate of inflation for quite a few years. Inaction on the part of California residents can lead to monthly health insurance premiums that are much higher than they should be. Finding California low cost health insurance becomes increasingly important.

Generally speaking, CA health insurance rates will increase every year just due to inflation, the claims experience of the insurance company and other economic and financial factors. On a minimum an annual health insurance checkup should be in order to make sure that you are obtaining the most affordable California health insurance.

Here are a few steps to take to find the lowest cost California health plan:

1. Work with an independent agent/broker. A knowledgeable agent will help you to compare the strengths (and weaknesses) of multiple CA insurance companies. Be careful about putting to much trust in a captive insurance agent as a captive agent can only work with one insurance company – eliminating the ability to “shop” multiple companies.

2. Get rate quotes for a Health Savings Account (HSA) or other high deductible plan. Everything else being equal then the higher the plan deductible the lower the plan’s monthly premium. The important thing is to make sure that you have comprehensive major medical coverage (most reputable companies that offer coverage in California will have at least $3,000,000 of lifetime coverage with no annual limits). You can save quite a bit of money by choosing a plan that still has the comprehensive major medical coverage but foregoing the pricey extras like Doctor visit copays and prescription copays.

3. Compare quotes from a minimum of 3 different health insurance companies.Take 30 seconds and use our free quote finder to compare 5 or more health insurance companies that offer coverage in your home zip code. Start saving money on California health insurance today by comparing free California health insurance quotes!

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