insurance in California
Options for Californian uninsured
Help For Californian
If you do not have
California health insurance, find out about
low-cost or no-cost health insurance and other
resources for you and your family. There are
many resources in California. The ones listed
here may help you.
If you think you may lose
your health insurance, try to keep it or get new
insurance in less than 60 days. Read about
We'll list the main sources
of coverage for uninsured Californians before
the Health Reform Exchange is live Jan 1st
First, if you are losing
California group health insurance, check to see
if you have a Cobra or Cal-Cobra option. If you
are exhausting or involuntarily losing Cobra
coverage, you may further have HIPAA coverage.
Children are now guaranteed issue on the
individual and family market so you can
investigate these as well.
If you have not had
coverage in the last 6 months, the PCIP
pre-existing condition health plan might be
available and the pricing/benefits structure has
been very competitive. You can quote the PCIP
plan right through our California individual
family health insurance quote engine here.
If you are unable to
qualify for the Federal PCIP plan, check with
MRMIP through State.
Health insurance options
for low and no-income Californians
If you can qualify based on
income, AIM (Access for Infants and Mothers)
might be available to you if your are a pregnant
woman and it can also cover the newborn.
Health Families is a
low-income health and dental insurance for
children as well.
Medi-Cal is the State's
version of Medicaid for low or no-income and/or
costly disabilities qualification for families.
Currently, the PCIP and
MRMIP sites are probably the best places to
start since they can route you to specific
programs that might be better suited for your
needs and situation. Starting Jan 1st, 2014,
individual family California health insurance
will be guaranteed issue (can't be declined due
to health) through the Exchange so the question
of being uninsured will change quite a bit and
foresee most of the above plans being
consolidated if not superceded by the one
Exchange with an income component built in to
determine Medi-Cal or premium subsidies.