It's hard to write about cheap California health insurance because let's face it...there's nothing cheap about it. That doesn't stop people from hoping and searching for cheap health insurance on the California market. We're not sure anyone will be terribly pleased with the pricing out there but we can at least steer you in the direction of the cheapest (superlative is the best we can do) as opposed to the more unattainable "Cheap" status. We'll also explain why these health plans make the most sense on the market now.
When you think of cheap food, fast food comes to mind and we all know you get what you pay for there. What about health insurance? First, we need to make sure we're talking about real health insurance since there are some questionable programs which won't really protect you so cheap there doesn't really help. It's cheap because it doesn't work. You're almost better off with no coverage. These are the so-called discount plans and if a company is promising you coverage that's 1/2 the amount of comparable coverage, run the other way. So let's narrow the range to legitimate carriers and plans that will actually help you in case of a $100K bill. The other plans generally have no cap so you'll essentially get a discount on the $100K bill. Great...you owe $50K. What about real insurance. What's the cheapest option out there?
10 years ago, the cheapest California health
plans might have made us nervous. It's amazing
what a decade of double digit rate increases
will do to you. Now, the cheapest plans on the
market are the most popular and generally make
the most sense financially since the difference
in cost offsets wholly or mostly what the
difference in benefit will be IF you actually
need the plan. You have to figure in the annual
premium difference when comparing these plans.
If adding $1000 to your deductible saves you
$800-$1000 annually in premium, that's a smart
gamble. A guaranteed $1000 savings versus a
potential (and with a low probability) $1000 in
out of pocket exposure. As consumers, we would
take that offer any time. Health insurance is
really about protecting against the big bill
anyway which we're reminded of more and more
with each annual rate increase. So, what are the
cheap California health plans on today's market
and how will Health Reform affect this
Today's cheapest health plans on the California market
Currently, The Bronze plan (PPO or HMO) is the lowest priced plan on the market. Really, you want to compare this with the next step up, the Silver Plan (on or off Exchange). PPO plans are usually the lowest priced plans on the market. . For HMO's, it's probably going to be Kaiser but this gets away from our "benefit of cheap health plans" theory above. You can quote all these plans side by side through our Individual Family quote page.
For small group, we would concentrate on
Shield's PPO Plans, Anthem's PPO plans, or
Health Net's lower-end HMO plans. HMO is really
specific to the age/area and you compare the
various plans through our
You'll be hard pressed to find cheaper California health insurance that will actually protect you from major or catastrophic health bills. We're happy to walk through your situation with you.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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We can help you:
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|
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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable
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We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
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