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How Can I Find Cheap California Health Insurance?

 Bob P. Los Angeles, CA

Hi Bob,

That is a good question and ultimately the answer will depend on your personal situation. However, there are definitely a few things that you can do right now to get you headed in the right direction and on to finding the cheapest California health plan available. Here are some of the most common ways that many CA residents save money on their health insurance:

1. Choose a CA individual health plan instead of a CA group health plan. California group health rates are much more expensive than California individual health rates so unless your employer will pay all or most of the premium for you on a group plan then be sure and compare CA individual plan rates. California group health insurance rates are approximately 2-3 times the cost of a similar California individual health insurance plan. (Note however, that if you want maternity insurance on an individual plan then you will have to pay extra while it is covered automatically on a group plan. Also, you will have to be somewhat healthy to be approved for an individual health plan in California – unless you qualify for a guaranteed approval California HIPAA health insurance plan)

2. Investigate a California Health Savings Account. HSA’s allow for cheaper monthly premiums, comprehensive full major medical coverage, and tremendous tax benefits to boot. Many California residents are enjoying the cheaper monthly rates that an HSA can offer. To learn more about and HSA – how they work and how to get free HSA quotes just read the article: California Health Savings Accounts.

3. Compare California health insurance plans every 6 – 12 months. California health insurance rates change constantly. Typically, once you buy a California health insurance policy then you will lock in your rate for either 6 or 12 months once your health insurance application is approved. This means that when you are nearing the end of your rate lock period then you definitely want to compare quotes from at least 3 or 4 other CA health insurers. Let us make it easy for you – just take a few moments to input your zip code into our free quote finder and in less time than it takes to brush your teeth you can get free California health insurance quotes! (From multiple insurance companies!)

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