Individual health insurance (also called personal health insurance) plan is the policy you purchase independently. You can buy an Individual health insurance plan as a single individual, a child only or as a family. If you are looking for individual health insurance in California, then you can opt for top CA health insurance companies that provide comprehensive health care coverage with attractive rates, and outstanding value.

How Individual Health Insurance California different group health insurance?

The difference between the Individual health insurance in California and group health insurance California is underwriting process, and the criteria more demanding to some degree than applying for a group plan. On the group side you have to worry only about discrimination requirements and other administrative type requirements that are usually more of the employer’s headache than it concerns the employee.

Why individual health Insurance in California is necessary?

California individual health insurance is becoming a necessity, especially because many people in the state are without coverage and are unable to afford the rising costs of the healthcare industry from their out of pocket expenses.  Those who are self-employed, not covered under a group plan, not satisfied with their employer’s coverage, or those who would like additional family coverage in CA often seek out individual health insurance.

How Premium Rates are Determined?

Premium rates are already set based on an applicant’s home zip code, age, and health status. If an applicant’s health status is poor they may be approved at a higher tier in which the premium is higher.

Once the insurance releases a rate you, that rate is guaranteed at least a year. Sometimes carriers will promotions on specific plans to allow a 24 month rate guarantee.

Are Pre Existing Conditions Covered?

To help prevent adverse selection, insurance companies are allowed to look back at your medical history for pre-existing conditions and may choose not to cover certain conditions for a specified period of time. This is known as an exclusionary, or pre-existing condition, waiting period.

In the California traditional individual health insurance market, there is a 12-month look-back and exclusionary period limit for pre-existing conditions for policies that cover one or two people. There is a 6-month look-back and exclusionary period limit for individual policies that cover three or more people. Besides, the health insurance carrier can decline an applicant with a pre-existing condition depending on the conditions.

You can get a quote for $0 cost right no by going to our Individual health Insurance quote page.

If you have any queries or just want to know more about individual health insurance California, you can contact us by e-mail or telephone at818-435-8443.