FreedomBenefits.net affordable health insurance

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The health insurance exchange makes it easy to find affordable high quality coverage available in your home state.

Professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail or live online chat.

California Affordable Health Insurance Exchange

More than 50 commercial health insurance companies offer individual health insurance in California and 32 companies that issue small group insurance in addition to the state-sponsored health plans for low income or disabled residents. These standard policies may be more expensive than some residents can afford. This Web page lists the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation

California insurance & benefit news

California ranks 26th in health insurance costs compared to all other states, with average premium costs slightly lower than the national average. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 31st out of the 51 states (including DC).

California regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits".

Short Term Insurance

American Health Shield

Celtic Insurance

Secure STM

Simple STM

Intermediate Term

Inbound Immigrant

Supplemental Insurance

Smart Accident Insurance

Value Access Guarantee

California Insurance Law

The California Department of Insurance Web site contains a section about protections for consumers who need to resolve claim disputes with to health insurers. The California Major Medical Insurance Program (MrMIP) is the California state high-risk pool. A 3 month waiting period applies before benefits are provided for pre-existing medical conditions.

The state insurance department can be reached by telephone at 800-927-HELP or by mail at P.O. Box 311, Sacramento CA 95812. The state children's health insurance plan (CHIP) Web site is California Healthy Families.

Non-insurance Discount Plans

Benicard

Careington PPO Discount Plans

Drug Card America

Essential Dental Solutions

Rx Pay Card

See International Coverage and Travel Insurance Listings

Consumer Insurance Issues

5/12/2010 Diabetes Coverage: A new resource to help with health insurance for diabetics in California is available

Contact the Author:

The content on this Web page was last updated by consumer finance writer Tony Novak on 5/14/2010. Comments, feedback, questions and corrections are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Facebook, Twitter or the contact information included on his Web site.