We have articles to cover every little aspect of the California health insurance market available here but we want to provide a quick overview of various facets a consumer may need to move forward.
It's a daunting undertaking but we're going to try and keep the content at a high level realizing that you can always drill down further if you need to. We'll break into types of Insurance, Market Segments, Important Entities, Carrier Landscape, and Health Reform.
Currently, the main types
of health insurance on the
market are PPO, HMO, HSA,
HRA, Self-Insurance, and
Indemnity in decreasing
trending popularity. At a
PPO - Preferred Provider Organization. Combines managed care with a discounted network of participating providers. Offer great flexibility and more cost sharing than HMOs.
HMO- Health Maintenance Organization. Group of providers band together to provide care to members on capitated basis (amount of money per person). More structured but richer benefits.
HSA - Combines high deductible with tax-favored checking out. Usually based on PPO-network health plan.
HRA - Health Reimbursement Arrangement. Similar to HSA but amount funded into account for insured to manage and use.
Self-Insured (or partially self-insured). Usually used by large companies to self-insure their medical needs up to a stop gap or catastrophic level.
Indemnity - Little or no restrictions and/or networks. Has since phased out by PPO and HMO type models.
Individual and Family.
Private market for pre-65
individuals in California.
Small Group. Generally 2-50 employees in California which can be guaranteed issue.
Large Group. Companies generally larger than 50 employees.
Medicare. For individuals age 65 and over or disabled (under age 65). Federal program with private supplemental insurance market (called Medigap).
We created a page here
with the various entities
but these are the big ones:
California Department of Insurance (DOI). Regulates the California insurance market, carriers, and agents.
Medicare.gov. Federal website for Medicare program.
PCIP.gov Prexisting Condition Insurance Plan for people who can't qualify for individual coverage
MRMIP. High risk pool for people who can't qualify. Includes AIM program for pregnant women
Medi-Cal. Low or no cost health insurance based on income.
Find more California health insurance resources here.
We have one of the most competitive carrier landscapes in the United States. The market segment can affect which carriers dominate but currently, the dominant carriers are:
The roll out of Health Reform is in full swing and the information is changing daily. We'll continue to add information as it finalizes. You can find updated articles on health reform from the www.calhealth.net home page.
Call us at 800-320-6269 with any questions. Our services are free to you as licensed health agents.
"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"
"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..."
"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."
"I thank you very much for the time that you have invested in handling everything
"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."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
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
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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.