Health Insurance in California

Plans Starting at $150

Consider the Following Stats:

Population of State:



of People Uninsured

Estimated Daily Cost for Inpatient Hospital Stay:


Cheap Health Insurance in California

Health insurance is an incredibly important service to have in the modern world. Without coverage, you are vulnerable to the calamities many people have to deal with. One of the most prominent problems facing people in California while they are uninsured is the lack of a regular place to go to for care, which is only perpetuated by the high prices deterring people. Without a normal place to go to, you are only going to cause your condition to worsen, thus being a more expensive bill in the long-run.

When it comes to cost, it’s one of the leading reasons for people’s lack of care. Insurance Line One wants to change this idea, though, through our determination of affordable prices for quality care. Starting our services off at a low-rate of five dollars a day enables a large volume of people to finally acquire a service beneficial to their life. After all, it’s not recommended to go uninsured, especially in a state where everything is already so much more costly than the rest of the nation.

Dangers of Going Uninsured

There are many reasons as to why you shouldn’t go uninsured, but the most prominent one you should be aware of is how much more it will cost you to go without coverage compared to actually having protection. When you are going without any form of financial back up you are more likely to not have a regular place to go to. But, what you may not realize you are doing when you don’t normally have a place for care, is elongating your physical suffering.

There’s nothing to be embarrassed about were you to be part of the 72 percent choosing to delay care. However, it isn’t recommended to continue this behavior, especially when it can protect you as much as it does. Additionally, health insurance can reduce how much you pay anywhere from 60 percent to 90 percent of its total. Despite all of this, there is still misinformation being spread about what this service actually does.

Myths of Health Insurance

Health insurance is an essential service, but it isn’t a catch-all medical program. You aren’t going to suddenly have all of your medical charges be waived, and be able to see any doctor for free. You still need to pay certain costs to see doctors and specialists, which will all be outlined in the packet you receive.

Your packet will have everything you need to understand before you start using the service. It’s important to remember, though, you need to pay off your charges as quick as possible. You wouldn’t want your bill to be sent to medical collections, which is no different than regular collections. This will majorly affect your credit score, but it can be resolved were you to be able to.

Affordable Health Insurance in California

Finding health insurance can be a long and hard process, but it doesn’t need to be. There are health care providers wanting to give you affordable high-quality care. Insurance Line One sees the plights many of the currently uninsured have and are doing what they can to solve them. Starting services off at a low rate of five dollars a day is the first step in the right direction. Our year-round open enrollment is another way we aid people to find the coverage they need and acquire it whenever they want.


Insurance Line One has an A+ accreditation with the Better Business Bureau.

Navigating the intricate world of insurance can be overwhelming and confusing for many Americans. Insurance Line One is dedicated to providing affordable California health insurance options that fit any family size and budget.

We are one of only 5 companies in the United States with the ability to match you with almost any insurance coverage need you may have. We provide individual and family insurance options for: Medicare, motorcycle, home, dental, health, life, car, commercial or ancillary insurance.

Our team of national experts will match you with the optimum plan for your circumstances and work to save you money in the process. Our enrollment process is simple and our plans are flexible. Our A+ accreditation with the BBB speaks to our outstanding reputation for providing exceptional service. Let’s talk a little more about Insurance coverage in California.

Cheap Health Insurance California

FAQs About Health Insurance Coverage in California

You may find it difficult to find honest answers to your insurance questions. Our experts have compiled a list of frequently asked questions from residents in California. You may find some of the answers to your pressing questions below:

What is the best health insurance plan for me?

To answer this question, you need to first define what you need in an insurance plan. What works for your needs, may not work for the next guy. Here are some of the things to consider when choosing an insurance plan: long term or short term coverage, basic or comprehensive coverage, individual or family coverage, pre-exisiting condition needs, ease of access to specialists and specific coverage for hospitals or doctors. Your considerations will help you narrow your choice of plans immensely.

What is a deductible?

A deductible is an amount of money  your insurance company may require you to pay out-of-pocket before they begin paying claims.

What is coinsurance?

This is the amount of money your insurance company requires you to pay for a medical claim. For instance, if the cost of your doctor visit was $50 and your coinsurance was 20%, your portion of the visit would be $10. Your insurance company would then pay the remainder.

What if I have a pre-existing condition?

It is no longer legal for an insurance company to discriminate against those who have pre-existing conditions. This means even if you are sick, your premiums won’t be any higher than a healthier person. Insurance Line One was originally founded to provide medical insurance to those who were denied coverage specifically because of pre-existing health conditions.

What services do your plans cover?

Insurance Line One plans cover office visits, unexpected illnesses, injuries and preventative care. Every company and plan will vary according to need. Our licensed agents will happily provide you with more information on plan specifics such as: co-pays, deductibles, plan maximums, preventative and diagnostic coverages.

Is there an enrollment period for Insurance Line One?

We offer enrollment year round. No more missing deadlines and waiting months for the coverage you need.

How much can I expect to pay for coverage?

Insurance Line One offers coverage for as low as $150 a month. We don’t believe in accumulating debt because you or your loved one have health issues.

Is there Affordable Health Insurance in California for Families with Low Income?

Finding health insurance can be a difficult process to go through, considering how many different factors go into the price of health insurance. Although, going uninsured isn’t the choice to choose when you are put in this position. 63 percent of the uninsured actually worry about paying their medical bills for just normal care. Normal care pertains to items and situations like vaccinations, exams and even a regular physical.

Nonetheless, families living with lower incomes can still acquire this wonderful coverage, it just takes a little more time to accomplish. Depending on your federal poverty level, you can qualify for health insurance programs where the government will subsidize your premiums. Presently, there is a 50 percent of uninsured people in the nation who make less than 200 percent of the federal poverty level, which is currently around 24,000 dollars.

To counter this problem and prevent a reliance on the government, we’ve started our services off at a low price of five dollars a day. Looking through our long list of services you are guaranteed to find something for you and your family. It’s unfair for a family to suffer through their physical conditions causing them pain just because they don’t have a high enough income. Starting our prices at such a low rate creates as many opportunities for people in these situations.

Where Can I Find Cheap Health Care in California?

Trying to find something at least somewhat reasonably cheap in California can be a pretty hard thing to accomplish. It has one of the biggest economies in the world and houses over a million people in one district alone. Many Californians are starting to branch out from these densely populated areas and going toward more affordable living situations. You might even be one of these people and health care should be one of the concerns you think about when moving.

Thankfully, there are health care providers with affordable rates no matter where you go in California. Insurance Line One starts our services off at a low rate of five dollars a month. Taking into account 15 percent of the uninsured and 34 percent of uninsured families make less than 25,000 dollars, this would be substantially easier to justify than the nationwide average of 388 dollars for a bronze plan. You’ll be able to acquire a much-needed service at a price other companies wouldn’t dream of pricing.

Additionally, certain medical facilities will be able to completely cover your costs as long as you have protection. For instance, in Fresno County there are places available where you will have all of your expenses covered for heart attack recovery. Heart disease is still the number one killer in the nation, which is why it’s important to be aware of how much you can potentially pay. Without health insurance, you will need to spend anywhere from 30,000 to 200,000 dollars. Obtain coverage when you can or else you will be stuck with this hefty bill.

Is There Affordable Medical Insurance in California?

Trying to find health insurance can be an incredibly difficult task to achieve. There is a variety of health care providers all trying to persuade you to subscribe to their service while failing to mention many of the obstacles they have placed to prevent themselves from helping people as much. This results in you having to spend hundreds, maybe even thousands of extra dollars you didn’t anticipate for. This is one of the reasons why many Californians are going uninsured; they don’t see the value in this service.

Insurance Line One wants to change this mind frame when it comes to coverage. Health insurance is here to help you during times of hardship and stress. It shouldn’t cause more anxiety when you are already suffering through so much. We provide services at a low rate of five dollars a day to ensure everyone has the ability to apply for protection. Don’t be part of the 73 percent of uninsured people who are wondering how they are going to pay their medical bills for just getting sick.

Be prepared for these kinds of situations or else it can end up costing you. For instance, childbirth can be an epensive journey were you not prepared. You have to go in for tests and check-ups to make sure the baby is fine, and when the baby finally comes you need to spend thousands of dollars to deliver it. In the Los Angeles area, you can spend as little as 200 dollars when you have health insurance on your side. However, without health insurance, you will need to spend a whopping estimation of 27,000 dollars for delivering a baby. Don’t risk it to save a little money, be ready for the costly.

Where Can I Find Affordable Family Health Insurance in California?

Currently, an estimated 9 percent of Californians are going without health insurance. Within this population, around 12 percent of the uninsured are under the age of 18. These children have no way of supporting themselves until they hit the age of 13 where they can work, but they many won’t be able to make enough to get coverage alone. It doesn’t help the nationwide average for a silver plan is around 428 dollars in monthly premiums.

Finding affordable family health insurance is possible, though. Insurance Line One starts coverage prices around a measly five dollars a day. This is more than half of what you’d pay for a silver plan somewhere else. In addition to this, there are many health care providers with the ability to cover all of the costs being charged depending on where you go for medical care. Places in Central San Joaquin County have charges averaging around 120 dollars for diabetic complications with coverage.

Were you to not have health insurance, then you’d need to spend anywhere from 1,500 dollars to 2,000 dollars. In addition to these benefits, you will also be able to apply for this protection any time of the year when you partner with Insurance Line One. Our year-round open enrollment avoids any of the frustration you will normally feel when you realize you missed the deadline. Humans have complex lives and it isn’t fair to restrain someone to a strict timeline when many inhabit intense lives.

When Does Cheap Health Insurance in California Stop Being Available?

When you start researching health insurance, you might not be aware of a lot of the little details included with the service. For instance, the fact there is a period of time you need to apply in order to get the coverage you need is something not a lot of people are keen on. The nationwide open enrollment period goes from November 1st, 2018 to December 15th, 2018. Thankfully, there are a couple states changing their open enrollment period to give more people the opportunity to apply.

California actually has an open enrollment period from October 15th, 2018 to December 14th, 2018. Were you to apply during this time your coverage will start to kick in on January 15th, 2019. Another thing you might have noticed is the nationwide averages for health insurance packages. A gold package can be estimated to be around 507 dollars for 80 percent of your charges to be covered. This might not be a possible rate for everyone, considering a quarter of the uninsured earn less than 25,000 dollars.

Insurance Line One wants to shift this restriction into something pleasurable for the consumer. Looking through our many available services you will see we start out health insurance packages at a low rate of five dollars a day. Your monthly premium will never go past 150 dollars, freeing up more of your income for other important utilities or vacation. Additionally, with Insurance Line One, you will be able to apply whenever you want. Our year-round open enrollment ensures you clearly read everything in our policies and prevents the unforeseen high bill others will push on you.

How Long Do I Have To Find Health Insurance in California?

Health insurance is an incredibly important service to have, mainly because of its ability to lower the amount you pay in medical care. It’s possible to prevent the unwanted trip to collections and avoid medical debt through a partnership with a reputable health care provider. However, there is a time window you have during your search for coverage. Throughout the United States of America, you will have from November 1st, 2018 until December 15th, 2018 to apply for coverage.

However, the state of California has a different deadline for people deciding on protection. Californians have from October 15th, 2018 ‘til December 14th, 2018 to apply and receive their answer on their application. Once your health care provider accepts your application then all you’ll need to do is wait until January 1st, 2019 for it go effective. Once it is active you will be able to have anywhere from 60 to 90 percent of your medical bill covered by your insurer.

Although, trying to be mindful of this time window can be hard, especially if you don’t have this information. Insurance Line One wants to give more people the chance of acquiring this much-needed service. Not only do our services start at a low price of five dollars a day, but we also give you the ability to take as long as you want when making a decision. Our year-round open enrollment policy ensures you have every chance to apply. You shouldn’t have your financial and physical safety be risked because of a timeline.

Is There Affordable Health Insurance in California for Individuals?

There are many reasons to get health insurance; financial safety, mindful of your health and physical care when it’s needed. As a matter of fact, an estimated 42 percent of the uninsured don’t have a usual source of care. Without someone to regularly to go to you are more likely to delay any care you are in need for. This will only make your condition worsen and cause your pain to intensify. An estimated 73 percent of the uninsured population actually delayed care because of the high costs or from the lack of being covered.

This can turn a simple trip for chest pain into a journey for heart attack recovery. This is the difference between a 200 dollar trip for a doctor’s check-up and a bill of 66,000 dollars. With health insurance, though, you can pay as little as eight dollars. This is a vastly different price in recuperation, and it can cost you as little as 150 dollars a month. Insurance Line One starts services at a low price of five dollars a day.

You might be part of the millions of uninsured people who are making less than 25,000 dollars a year. This low price will be perfect for you because you are getting quality care at an affordable rate. In addition to this, you will be able to take as long as you want making a decision. It’s important you know what you are subscribing to when this has the capacity to control who you see and how much you pay per trip. Our year-round open enrollment solves the deadline problem many people are frustrated by.

What is the Most Affordable Health Insurance in California?

Trying to find affordable health insurance relies on your aptitude to finding the obscure. When it comes to coverage, there are lists upon lists of options out there for you to choose from. Despite this, many of them contain hidden obstacles to prevent themselves from helping you as much. Considering the nationwide average for a bronze plan is around 388 dollars a month, many people don’t see the value of this incredibly useful service.

Insurance Line One wants to change this mindset and provide people with a pleasurable experience from the get-go. Starting our services at a low price of five dollars a day is just one of the helpful practices we supply you with. We also allow you to take as long as you want making a decision. It’s vital you have a complete comprehension of what you are going to be using because this is going to be determining who you see and how much you pay per visit. While this may seem like a drawback, it’s actually a lot better for you than just going uninsured.

As a matter of fact, 42 percent of the uninsured don’t have a usual source of care. This means they are delaying care and only furthering the pain they are experiencing. Additionally, out of the uninsured, an estimated 20 percent report having poor health. You might even be one of these people, but you don’t need to be anymore. There are reputable health care providers wanting to insure you with quality care.

How Do I Avoid Medical Debt With Cheap Health Insurance in California?

Many people who are going without health insurance in California cite the high costs of coverage. An estimated 29 percent say the prices are just too high for them to justify the service. Nine percent don’t see the value in health insurance, even though it’s important in a modern-day society. The belief there isn’t any importance in whether you are covered or not is based on the idea you will never get sick or injured. However, you can’t control other people’s actions and this includes their errors.

Their mistake can result in your trauma, which can cost a pretty penny were you not prepared for it. Something as simple as a broken arm can cost you 16,000 dollars or more without insurance. Thankfully, there are health care providers with the goal of providing you with affordable coverage but with quality care. We start our services at a low rate of five dollars a day, equating to around 150 dollars a month—at most.

No longer do you need to wonder how you are going to cover your medical bill because you will have someone there to aid you in this stressful time. Additionally, you won’t have to deal with the harsh world of medical debt. Medical debt can be almost as worse as the regular kind, because of how high most procedures cost—just look at a broken arm. Even if you were to pay off the debt, your credit score won’t immediately recover. Like a physical wound, it will take time and proper work to bring it back to normal.

Are There Drawbacks to Low-Income Medical Insurance in California?

Out of the millions of people who are going without insurance in the United States of America, California has an estimated uninsured population around 9 percent. Millions are going without coverage based on preconceived ideas of what health insurance actually does. In reality, there are major problems with going uninsured, such as financial instability and physical unrest. An estimated 63 percent of uninsured people are worried about paying their medical bill for just normal care.

Normal care can encompass a check-up, vaccines and even medication. These are important parts of life you need to stay on top of. Yet, 42 percent of the uninsured in California don’t have a normal source of care. When you don’t have something to aid with the hefty costs, you are more likely to avoid the very service you need. This is why around 72 percent of the uninsured have avoided care for longer than they should. Doing this can cause your condition to worsen, thus causing the price to shoot up as well.

Insurance Line One wants to create as many opportunities as possible for you to acquire this much-needed service. Starting our services off at a low rate of five dollars a day allows those who are making less than 25,000 dollars to obtain aid normally ignored. Now, 32 percent of the uninsured can justify acquiring health insurance and receive the care they need. After all, you shouldn’t be denied care just because you aren’t fortunate enough to make more money.


As a consumer, you have the right to ask all the questions you feel are needed. If you have a question you didn’t see addressed here, our friendly licensed agents can help. Simply call 800-606-1671.

Information on Health Insurance Premiums in California for Individuals and Families

Several factors influence premium prices for individual and family insurance plans in California. Under the health care law, insurance companies can use 5 following pieces of criteria to set prices:

  1. Age: The older we get, the more issues our bodies seems to have. Premiums for older people can be up to 3 times more than those of younger people.
  2. Location: Premiums can be largely influenced by where you live. Influencing geographical factors are: competition, local rules and cost of living. Rates for medical procedures in Northern California, for example, are significantly higher than in Southern California.
  3. Tobacco Use: Tobacco users can expect to pay around 50% more in premiums than people who non-smokers. The use of tobacco exacerbates many diseases and health concerns.
  4. Individual vs. Family Plans: Insurance companies charge more for a spouse and children as opposed to a single person. Insurance Line One has solutions to fit any family size, situation and/or budget..
  5. Plan Benefits: Plan benefits and deductible amounts will influence premium prices. The smaller the deductible, generally, the higher the plan premiums. Plans with more flexibility in doctor and institution selection will also increase the monthly premiums.

Insurance Line One agents will guide you through the selection process, determining your critical plan benefits. We will always look for ways to save you money while giving you the optimum coverage for your needs. The average monthly premium in California is around $430.

Whether you are single, married or in a committed relationship, we have insurance solutions for your individual situation. For an obligation free insurance quote simply click here for an online quote or call one of our licensed agents at 1-800-606-1671. Selecting the perfect plan for your individual needs shouldn’t be difficult.

Cost of Common Medical Services in California

Common medical procedures can cost a small fortune without adequate insurance coverage. How much, on average, should medical services cost? First of all, it is important to understand the costs vary from county to county. Northern California medical service costs are slightly higher than those in Southern California. Here are some of the pre-insurance costs according to county:

  • In the San Mateo region, the typical Cesarean section costs nearly $48,000, but was just over $24,000 in Folsom. While in Fresno, prices were less than $13,000.
  • A knee replacement surgery in Fresno is just over $46,000 compared to over $127, 000 in Alameda County.
  • Angioplasties range from almost $145,000 in San Jose to $44,000 in Bakersfield.
  • Hysterectomies through the abdomen are just over $81,00 in Contra Costa, $47,500 in Sacramento and just over $34,000 in Orange County.
  • Coronary artery bypass surgery capped out at just over $151,000 in Alameda County.

Health Insurance is designed to reduce the amount of money you will end up paying for these procedures to a fraction of original prices. No matter where you live, it seems clear that insurance coverage is crucial when medical procedures are needed. You can’t afford NOT to have insurance coverage for you and your loved ones. Insurance Line One offers comprehensive solutions for your insurance needs, no matter your budget. Don’t risk your financial health by neglecting to select the right medical insurance plan for your needs. Our staff are dedicated to helping you find just the right carrier and plan.

Health Insurance Carriers in California

Choosing a health insurance carrier is an important decision that shouldn’t be taken lightly. Where do you search for the right company? Certainly, googling a company is easy and quick. However, with so much information coming your way, making an educated decision can be almost impossible. Let’s discuss some of the benefits of the top California insurance carriers:

  1. Anthem BlueCross: Anthem Blue Cross has been serving the people of California for over 70 years. Covering over 8.3 million Californians, Anthem Blue Cross of California is easily the top carrier in the state. Products include: 1) BeneFits- A unique education and enrollment site for small businesses which offers advanced technology and resources. 2) Health, dental, vision, life and disability coverage. 3) 360 degree Health Management Program- resources, programs and tools designed to help group members on their road becoming their best selves..
  2. Blue Shield of California: With over 3 million member, Blue Shield of California has set a distinguished standard of innovative technology, effectively changing the face of healthcare in California. Benefits include: HMO members have access to over 29,000 doctors and 300 hospitals. PPO members have access to nearly 50,000 doctors and 350 hospitals.
  3. Chinese Community Health Plan: CCHP offers top notch insurance coverage to individuals, families, businesses and Medicare Advantage eligible seniors. Founded over 25 years ago primarily for the Chinese American community, they have expanded to include everyone. Benefits include: CCHP provides individualized, patient-centered health care services to its members. They offer a choice of over 300 physicians and 10 hospitals.
  4. Molina Healthcare: Molina is a managed care company administered out of of Long Beach, CA. They offer healthcare to individuals through government programs such as Medicaid and Medicare. Benefits include: Proudly providing affordable healthcare solutions to individuals and families since the 1980’s.
  5. Kaiser Permanente: Everything at Kaiser is centered around you, the patient. Working with your primary care physician, you have the unique ability to create a personal plan to achieve your healthy goals. Benefits include: Preventative care, prenatal and well baby, immunizations, emergency care, screening diagnostics, pharmacy services and hospital/medical services.
  6. Oscar Health Plan of California: At Oscar Health Plan, they believe insurance coverage should be smart, intuitive and friendly. They utilize technology to keep track of medical history and personalized timelines. This also keeps you connected to providers in your area. Benefits include: Head to toe coverage designed to keep you healthy while remaining affordable. Speak to a board certified physician with any questions about your plan or health.

Insurance Line One’s licensed agents can help you navigate all the intricacies of the various health insurance companies and help you narrow your search based on your needs and budget. Plans can be tailored for your family size, needs and coverage types. We strive to provide you with world class service while remaining affordable. We have helped thousands of Californians achieve better health through proper healthcare.

Get Your Free Insurance Quote Today!

When we began our business in 2009, our company vision was simple; to provide medical insurance coverage to those who were denied by large medical insurance carriers due to pre-existing conditions. We have expanded our services to provide coverage in all 50 states and for all insurance coverage situations. We strive to provide a comprehensive service designed to give you just the right amount of coverage at prices you can afford.

With an A+ Better Business Bureau rating, we have helped thousands of people secure health insurance benefits customized to their needs and budget. Don’t let complicated websites, information and medical jargon cost you your financial health and well-being. To get your no obligation insurance quote simply click here for an online quote or call one of our licensed agents at 1-800-606-1671.


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  • We can provide affordable health insurance in all 50 states.
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  • Affordable Health Insurance Plans Starting at $150 per month