Individual Health Insurance Plans California

The state of California just hit a historic low on their uninsured rate. With 7.4 percent of their population being uninsured, this is the lowest it’s ever been. You might be one of these million people uninsured, but it’s fine because there health insurance plans for you. The only thing you need to know is what to look for in a health insurance package. Thankfully, there are two main factors when picking a service plan; what service plan you choose and the type of “metal”.

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There are four services for you to choose from, each with their own alterations. EPOs and HMOs are similar in the fact your health insurance will cover your services as long as the facility is under their network. The exception is during emergencies, then you’ll be able to use outside services. However, HMOs will typically restrict you to a certain location to live or work in.

PPOs and a POS plan won’t restrict you, nor will an EPO, but a PPO and a POS won’t fully cover your services. Using those in their network will result in a reduced price for you to pay. Although, when it comes to PPOs, you’ll be able to use those outside of their contract without a referral, but for an additional cost. A POS won’t let you see outside services, and you’ll need a referral to see a specialist. While these do slightly establish a price, the type of “metal” will do the main heavy lifting.

Depending on the “metal” you choose, you’ll have to pay more in monthly premiums, but less out-of-pocket. For example, a bronze plan averages around 388 dollars a month; silver package monthly premiums will result in 428 dollars; gold plans require you to spend 507 dollars a month; and platinum services will demand 583 dollars for your medical needs a month. The more you pay in monthly premiums, the less you’ll have to pay out-of-pocket, which is why platinum plans are usually for those with more medical needs. Nonetheless, these costs are affordable compared to the amount of benefits you’ll be receiving.

The Benefits of Having Health Insurance

Companies, like Insurance Line One, want to make health insurance more enticing for people. The astronomically high costs of medical service is leaving people financially ruined, because they don’t have insurance. As a matter of fact, out of all the people who do avoid seeing the doctor because of high costs, the uninsured make up 17 percent. This is easier to understand when you start to see how much it costs to pay for recovery.

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The number one killer in California—and the nation—is heart disease. It comes in multiple forms, but the one people know most about are heart attacks. Heart attacks devastate thousands of families a year; taking on average an estimated 60,000 lives a year in California. Thankfully, this is a recoverable disease with a strong possibility of survival. It doesn’t change how much it costs to pay off these bills, though.

Depending on where you live, you may pay more or less than the state average for medical treatment. For example, living in the Inland Empire—which encompasses cities like San Bernardino and Riverside—you’d have to pay a low end estimation of 19,100 dollars for recovery. The high end estimated cost to pay for heart attack recuperation without insurance is 82,000 dollars. However, were you in the company of a health insurance company you’d only have to pay a measly 532 dollars.

Of course, looking at the Inland Empire is a bit unfair since it’s such a populated and wide county. Traveling farther north to the North Bay counties—encompassing cities like Napa, Marin, Sonoma and Solona—you’d have to pay an estimated 13,000 dollars; 135,670 is the high end estimation. Conversely, with the help of health insurance, you’d only have to pay a measly 75 dollars. The small amounts you’ll have to pay for health insurance is nothing compared to the  gargantuan costs of recovery for something you don’t have control over.

The Costs of Being Uninsured

Over 50 percent of the people who can’t afford health insurance makes less than 50,000 dollars. Were you to actually get a heart attack and need treatment, you’d be left in financial ruin after. Not only this, but you’ll have to pay an additional fine for being uninsured. When the Affordable Care Act was passed, it established various helpful policies. Placing a cap on how much you’ll have to spend out-of-pocket is the biggest benefit for people. Now, you only have to spend 7,350 dollars out-of-pocket on medical treatment, instead of the company just paying a couple thousand and leaving the rest for you.

This made it easier for people to justify health insurance, as well as made it easier to pay for rehabilitation. However, the bill also enacted a fine for people who refuse to purchase the service. Deciding between two options, the government will pick the more expensive choice of the two. Either, 2.5 percent of your annual salary or 695 dollars per person uninsured. Being on an individual plan you’ll most likely have to pay 2.5 percent of your salary. Thankfully, the idea of being uninsured in the modern age is a thing of the past.

Determining Which Health Care Package to Choose

Today, there are dozens of health insurance companies to choose from, each having their own beneficial policies. However, these same organizations have their own hidden policies to restrict your service. Fortunately, there are health insurance associations who want to ensure everyone has coverage.

Insurance Line One offers an organized catalog of the services best suited for you. Dental, health, life, vision and vehicle are just some of their many packages they offer you. Picking from their long list of services you’ll find the exact plan for you. With open enrollment all year, you’ll never be denied coverage because you missed the deadline. You’ll also find health insurance packages starting as low as 150 dollars, meaning they’re affordable for nearly everyone in the nation.

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  • We can provide affordable health insurance in all 50 states.
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