CA Health Insurance Basics for Individuals

Although their needs are obviously more specialized, individuals in California have pretty essentially the same health care options as members of a group, but at a higher cost. Individuals who are self-employed, between jobs, or awaiting coverage from a new job are ideal candidates for an Individual Insurance plan.

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Individual Insurance Options in California

Historically, many employers have offered HMOs as a coverage option, and those seeking greater variety were forced to purchase supplementary coverage. Insurance carriers, perhaps becoming wise to the lack of individual health care options, now offer PPO choices, where those who are not a part of an insurance plan through their employer are still able to receive quality insurance with a high level of choice.

The Health Savings Account, a relatively new plan offered alongside a high-deductible PPO, is often another good choice for individuals. HSAs offer individuals a higher level of flexibility and control over their own investments, providing a level of personal responsibility unparalleled in standard health insurance products. Also, the funds deposited into the HSA roll over each year, so that your funds are never lost.

Individuals who are in need of temporary coverage, long-term coverage, disability benefits or accident insurance are often able to enroll through a large insurance company for relatively low premium costs. And if you have a difficult time finding a more comprehensive plan, some companies offer supplemental insurance to cover things such as extended hospital stays and emergency services. They may also provide benefits for individuals such as cancer coverage, disability and life insurance.

Dental, vision and other “accessory” services are often harder for the individual to receive because these plans are often offered only on group policies; however, it is possible to receive a separate dental plan, or discounts on such services, through an individual policy.

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