Individual & Family
Group health
Medicare Supplement


Free Assistance 800-320-6269

California health insurance  -      Understand Health Quote

Understand Your California Health Insurance Quote

Health insurance is tricky and the trend going forward looks like more of the same. The new health reform application is 20+ pages and we've switched out health history question for financial health questions with the same effect.

Most people get stuck just trying to analyze the various health plans and rates while running their California health quote. This really is the most critical step of the process so let's see if we can simplify it.
Ultimately, our goal is to find the least expensive plan for the best coverage. Daunting, yes but understanding the quote is the way to get there.

The California health insurance quote grid

We described in our Video Series how to start the quote which you can find here. Once you're in the system, you'll see a quote grid. This is all the available plans and rates are shown with their various benefits. You'll see the plans listed by carriers alphabetically and then by monthly premium (on the far side). At the top, you'll find the major benefit headings and this is where people usually get tripped up. We'll start there since 90% of the decision is a combination of these benefits and the monthly premium.
The main plan benefit headings

Plan Type

The three basic plan types are PPO, HMO, and HSA.

We have extensive articles on all of these but we can quickly narrow the options. On the individual/family market, HMO"s have priced themselves out of the market. HSA plans use the PPO network for almost all plans so really, we're looking at PPO plan types. The HSA refers to a tax benefit available to those plan members.


This is the big one.

The plan deductible is single biggest driver of plan expense. Essentially, the deductible is an amount you'll pay before getting help from the carrier. You'll still get negotiated PPO rates but you're paying this first.

Doctor Visit

This is the amount you'll pay in-network doctors for the consultation only.

It's usually in the form of a copay (say $35). Keep in mind that some plans will only allow a few copays before the deductible kicks in. HSA plans make office visits subject to the main deductible.

Preventative benefits will be covered at 100% in-network for covered benefits.

OOP or Out of Pocket Max

This is the important item behind deductible.

It shows what you can expect to pay out of pocket for catastrophic health issues (think $50K+). Some carriers have it it addition to the deductible while others include the deductible.

Out of pocket maximums are usually per person up to two people in a family during a calendar year (Jan 1st-Dec 31st). This is true regardless of when the policy starts.

Inpatient Hospital or Co-insurance

This generally shows the portion you will pay after the deductible is met.

 It's usually a percentage which is called Co-insurance. For example, if you have $1K deductible, 40% coinsurance, and $3K max, if you get a $10K bill, you can expect to pay the first $1K (deductible), and then pay 40% of the remaining $9K until you hit another $3K.

Your true max out of pocket would be $4K (deductible plus Out of Pocket Max in this case). The co-insurance means less these days since people are usually way under the deductible or way over the max.


Of course, this the most important piece.

It's the monthly amount you will pay each month to keep the insurance force.

 Let us help you find the best health coverage for the lowest premium. That's the whole goal of understanding your health quote after all.

You can run your California Health Quote Online to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!


In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!

Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:

Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

calhealth website

Our Services are FREE to You is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.