Individual & Family
Group health
Medicare Supplement

Best rates GUARANTEED

Free Assistance 800-320-6269

California health insurance  -  Understand health insurance in California  -  Two member max

The Two Member Max and California Health Plans

A concept that is new to most people purchasing health insurance is the two member max. You will typically see this next to a deductible or max out of pocket amount with a (x2) designation. This is an important part of the plan in terms of keeping a family out of catastrophic health cost situations.

So how does the Two member max work?

First, it really only applies when you have multiple people (three or more) on one health insurance policy in California. A single person or two people together will not be affected by the two member max.
Essentially, for three or more people on one policy, each person is working towards their annual deductible. If two people meet their deductible, the other family members will not need to. The deductible is the amount you must pay for medical services each year before your insurance begins paying. You can find more in-depth information on deductibles in California health plans here. It is like a horserace where each person is accumulating costs towards their deductible. The first two across the finish line let the other family members stop (working towards their own deductible). With most health plans on the market, the annual deductible (calendar year Jan 1st resets) is per person. With the two member max, it protects a family from having to meet four deductibles (for example) if four family members all had significant medical bills during the same year.

What does the max apply to?

The two member max usually applies to the annual max out of pocket as well. The out-of-pocket max is the most you will have to pay in a year for deductibles and coinsurance for covered benefits. You can find more in-depth information on the max-out-of-pocket. This is important for the same reason the cap on deductibles is important. In today's world, with the high cost of medical care and the higher deductible amounts, if you are meeting your deductible, you are probably meeting your max out of pocket as well. A simple surgery can quickly run $20,000.

There are some exception on the California health market for the two member max. You will not see the (x2) designation next to these plans. Some plans also now have a 1 max + rest of family situation. This means when one person meets their out of pocket max, the rest of the family members all work together to make up the remaining deductible. This is actually a better set-up for the California consumer.

 

Important Plan Pieces:

Co-pay
Deductible
Co-insurance
max out of pocket
Catastrophic health insurance

You can run your California Health Plan Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

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 - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered 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
calhealth website

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.