Individual & Family
Group health
Medicare Supplement

Best rates GUARANTEED

Free Assistance 800-320-6269

California health insurance    Catastrophic health insurance

Finding the Best Catastrophic California Health Insurance

 

Current Catastrophic health plan best values (detail below)
Quote and Compare California Catastrophic Health Plans (doctor networks, brochures, exclusions can be accessed by clicking on plan name through the quote)

Rates on the California health market have almost doubled in the last 18 months with more on the way. Catastrophic or Major Medical as it is sometimes called has always made some sense but now, more than ever. The very definition of what constitutes as catastrophic has changed. Just five years ago, catastrophic insurance on the California market might have been a $2000 deductible. Today, $2000 is probably just high of average (the Silver 70 plan) and most people are actually looking at $5000 deductibles on average for individual California health insurance. Let's take a look at what catastrophic health insurance really is, whether it makes sense, and which plans on the market currently fit the bill.
 

A quick explanation of catastrophic California health insurance


Catastrophic coverage options are actually pretty different than what most people expect when the ask or search for such plans. Usually, people have ideas about $10K or $20K deductibles with no maternity, medications, or office visit. Unfortunately, the market has many mandates placed on it and the least expensive plans on the market with legitimate carriers are much richer than these. Maternity is now mandated on all plans effective 7/1/2012. Before we go into the current plans that meet our definition, let's define catastrophic coverage.
 

Health insurance is all about the big (catastrophic) bills these days


Catastrophic insurance refers to insuring the big bills through a carrier and reducing the monthly premium to the lowest possible amount. This is usually addressed with a high deductible. A deductible is amount that you must pay first when medical expenses are incurred before the carrier will start to share the cost (usually in the form of a percentage share called co-insurance). This is the main benefit way to reduce premium costs. The quick and easy way to determine if this is a good approach for you is to run your instant quote above and then annualize the premiums. Take the monthly premium shown in the instant quote and multiply up by 12. How you can contrast deductibles and annual premium (also take into account max out of pocket which reflects your true out of pocket exposure).

For example, if by going up $1000 in deductible, you save $800/year in premium, that's not a bad trade off. 

This comparison usually works in your favor for the richer plans and less so as you go down the benefit list. For that reason, it's hard to justify a deductible less than $1500-2500 and consequently, that's where the bulk of the market it. California health insurance originally was about protecting from larger expenses but became richer when PPO's and HMO's finally helped to control the premium increases in the early 90's. We started to see no deductible plans with rich benefits at that point. It didn't last long and premiums continued their climb higher at a faster rate. We're now back to where we started...high deductibles to cover the big bill. So what makes sense on today's market?


What catastrophic plans work best on today's California health market?


With the new ACA health plans, it really comes down to two different options.  First, we have to see if we qualify for a tax credit.  Tax credit is King!  Based on income, you may be eligible for Enhanced Silver benefits which are richer benefits for the same price as the normal Silver 70 plan.  For a purely catastrophic plan choice, the Bronze plan is the main option to compare to the Silver.  It generally has a $5000 deductible and $6250 max out of pocket.    There's also a catastrophic plan for people under 30 which is just slightly cheaper (and less rich) than the Bronze plan. 

You can quote all the catastrophic plans across the main carriers through our instant Quote engine.

YOU MAY STILL BE
ABLE TO ENROLL

In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!





Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:


Single Person: $16k - $23k
2 People $22k - $31k
3 People $27k - $39k
4 People $33k - $47k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California
Kaiser of California
Health Net of California
Aetna
and more

Thousands of Californians
Hundreds of California Companies

SUCCESSFULLY
ENROLLED

Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED

Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.