Affordable Care Plans California

Looking at prices for health insurance in California, you might’ve noticed it is a bit more expensive compared to other states. However, California is known for many situations and the high cost of living is one of them. While it shouldn’t be a surprise it would cost more in California for health insurance, it shouldn’t be the norm. With a population of 39.54 million and thousands flocking to the city every year, it causes rent and food to rise yearly. Although, the state just hit a historic low for the amount of people going uninsured.

With an uninsured rate of 7.4 percent, 2.9 million men, women and children are still vulnerable to calamity. While it’s quite a feat for 36.64 million of the state’s citizens to be insured, those who are uninsured still need coverage. Health insurance is a necessity in today’s world. After all, the costs of going uninsured far overpower the bills of being insured.

Is it Cheaper to Go Uninsured Compared to Being Insured?

The state of California is an interesting place to live. You can drive up the mountain to go snowboarding, then—later in the day—head to the beach to go surfboarding. You can live in one of the densest cities in the world and always be near a celebration or you can live in the forests, where nature is abundant. Correspondingly, where you live also determines how much you will end up spending on medical services. Although, you will need to pick the type of package you want before this occasion.

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Health insurance pricing is decided by the type of “metal” and service plan you choose from. While, the type of service does dictate how much you pay the director is the “metal” type. Bronze, silver, gold and platinum are your choices of metals. The more glamorous the metal will determine how much you pay in monthly premiums, spend out-of-pocket and your medical needs.

For example, a bronze plan will result in the cheapest monthly premium, allowing you to save money in the long-run and plan for the worst-case scenario. The national average for a monthly premium on a bronze plan is estimated to be around 388 dollars, while a platinum plan is about 538 dollars. Were you the type of person who needs to see the doctor every other week, a gold or platinum plan would be your best choice. However, you need to decide on a service plan before you can be treated.

An EPO and HMO will fully cover your costs, as long as the service you use is in their network. Even if they are outside services, they can be used were it an emergency. However, HMOs typically restrict you to certain locations to live and work in. A POS plan won’t restrict you anywhere, but you won’t get full coverage. The most you’ll get is a reduced price for seeing those in their network. You’ll also need a referral to see people not contracted through them.

A PPO doesn’t require a referral to see a specialist nor those in outside services, but it will come with an additional fee. This lax freedom comes at a cost, though, you still have to pay for services in their network but it will be at a discounted cost. Companies, like Insurance Line One, can see how this will be a mind-numbing process to deal with, which is why they aim to make it easier on you to find coverage. After all, heart disease is not only the number one killer in the state, but in the nation.

Recovering from this devastating trauma is possible, but it requires patience and money, were you not insured. See, the low end estimated total costs for treatment from a heart attack is 19,100 dollars; the high end is estimated to be around 82,600. Incredibly few people have this type of money laying around to drop in a weekend. However, were you in the company of health insurance, you’d have to pay a fraction of these costs.

Of course, depending on where you live you will have to pay more or less than the state average. For example, living in East Los Angeles county you’ll only have to pay a low end estimated total cost of 350 dollars, while those in the Western LA county have to pay 532 dollars for recovery. Were you to go farther North, to Central San Joaquin county, the estimated low end total costs can cost you a minute 75 dollars.

Even if you were to look at the total costs after them using expensive equipment and treatments, it would only come out to around 4,000 dollars. Your health insurance company will still pay for over half of the costs. The amount you’ll have to pay from being uninsured is enough to pay off a year’s worth of health insurance, but you won’t get any of the benefits from being covered.

Consequences of Going Uninsured

Not only will you have to pay the astronomically high costs of medical treatment, but you’ll have to pay a fee for being uninsured. The passing of the Affordable Care Act was made to make it easier for people to afford health insurance. However, it also created an incentive for people to acquire the service through negative reinforcement. The belief they’ll never get injured or sick drives them to avoid getting coverage, though, but this isn’t the world we live in.

To discourage this ideology the government placed a fine for going uninsured. Offering two options, the government will make you pay the more expensive choice. You’ll either have to pay 2.5 percent of your annual salary for the past year or 695 dollars per person uninsured. This can result in a year’s worth of payment for health insurance, but without the actual acquisition of health insurance. No one should have to suffer for not being able to afford health insurance.

Picking the Right Health Insurance Package

Insurance Line One offers open enrollment all year, which means you won’t ever be vulnerable because you missed the deadline. They’ve organized their catalog so you—the client—can easily maneuver your way around. You’ll be able to find the exact package you want since they offer a list of services for you to choose from. Starting as low as 150 dollars, their services are available for everyone, and cheaper than the state and nation average. You’ve already recovered from a traumatic event, have the health insurance companies help your life.

Sources:
http://www.politifact.com/california/statements/2017/jan/19/jerry-brown/true-californias-uninsured-rate-has-hit-historic-l/
https://www.healthcare.gov/choose-a-plan/plan-types/
https://www.peoplekeep.com/blog/affordable-care-act-policy-costs-up-in-2017
http://www.cahealthcarecompare.org/cost_detail.jsp?region=17&service_id=11&cost_cat=heart&cost_cat_name=Heart%2C%20Lung%2C%20and%20Blood
https://www.chcf.org/wp-content/uploads/2017/12/PDF-CaliforniaUninsuredDec2016.pdf

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