At InsureMe, we know having California health insurance is central to maintaining your access to the health care system. We also know millions of Californians are currently without health insurance.

We’re here to help—first by arming you with information, and then by providing you with up to five free quotes on California health insurance for your comparison.

So let InsureMe help you find the best California health insurance to cover your health care needs. Get your free quotes today!

What You Should Know about California Health Insurance

Current Events and Issues

In recent years, the California health insurance industry has brought in over $106 billion annually. Despite these earnings, health insurance premiums in California seem to be rising relentlessly to accommodate the ever-increasing cost of health care.

This trend has resulted in millions of uninsured residents across the state. In fact, a recent Families USA survey showed that there are close to 6.5 million Californians living without health insurance—over 20 percent of the state's population.

If you are part of that 20 percent, you don’t need to feel the stress of being uninsured any longer. Read on to learn how InsureMe—and the State of California—can help you find affordable California health insurance.

Types of California Health Insurance

In California, there are five types of health insurance policies you can purchase: Indemnity, Preferred Provider Organization, Health Maintenance Organization, Self-Insured Plans and Multiple Employer Welfare Arrangement.

• Indemnity policies are traditional fee-for-service plans, allowing you to seek treatment from any physician you choose. You may pay a deductible or co-payment with this plan.
• Preferred Provider Organization (PPO) policies provide a list of contracted providers from which you can choose to visit. You also have the option of seeing someone out-of-network at a higher cost to you.
• Health Maintenance Organization (HMO) policies require you to see health care professionals affiliated with the HMO, except in emergency situations. Typically, people covered by HMO’s choose a primary care physician to oversee their care.
• Self-Insured Health Plan polices are primarily used by labor unions, school districts and large employers; these groups provide a pool of money, from which they draw to pay for their employees health care.
• Multiple Employer Welfare Arrangement (MEWA) polices permit members of trade, industry, professional and other associations to create trust funds for the purpose of providing health care to their employees.

For more detailed information about these plans, contact the California Department of Insurance at (800) 927-HELP, or visit them on the Web.

State-Assisted Care

If you have been unsuccessful in obtaining California health insurance for financial or health reasons, check out the following programs:

The Major Risk Medical Insurance Program (MRMIP) offers limited health insurance benefits to Californians unable to obtain coverage because of a pre-existing condition. Some restrictions do apply; for more on MRMIP, call (800) 289-6574.

The Healthy Families Program, offered through MRMIP, provides low cost health, dental and vision coverage to kids from low income families not eligible for public assistance. For more information on the Healthy Families Program, call (800) 880-5305.

The Access for Infants and Mothers Program (AIM) was established to expand care for pregnant women. AIM offers a comprehensive benefits plan, including both inpatient and outpatient care. For more information on AIM, call (800) 433-2311. Pacific Health Advantage (PacAdvantage) provides more affordable California health insurance to small businesses with two to 50 employees. Plan rates may vary by age, family size and region. For more on PacAdvantage, call (877) 735-5742.

These are just some of the many ways that California is working to bring California health insurance to all residents, in efforts to make the category of the uninsured obsolete.

Find California Health Insurance Today

Your access to health care depends largely on your health coverage. Maintain that access by finding California health insurance today.

Just fill out our box and receive up to five free quotes from InsureMe. Finding affordable health insurance has never been easier.