Individual & Family
Group health
Medicare Supplement


Free Assistance 800-320-6269

California health insurance  -  Intro to health coverage in California  -  Introduction to health plan basics

How to choose your California health insurance plan

When you run your instant California health insurance plan quote, the first thing you will notice is the tremendous number of options.

It's almost too much.

How do you break down the differences and find the right health plan for you or your company. Below are a few key points to help you find the right health plan for your situation.

Go with a good health plan Carrier

We have over decade's experience solely in the California health insurance market. We have seen carriers come and literally go both on the individual family side and the Small Group market. We have seen health plan carriers pull out of entire counties, radically change plan design and rates multiple times a year, and initiate some pretty questionable practices. Some of these carriers are no longer on the market and some are.

So what do we recommend?

Stay with the best. Ultimately, the rates will be better as fly by night carriers and/or plans will explode due to poor plan design or under-pricing the market.

Anthem Blue Cross is arguably one of the strongest nationwide health insurance company.

For PPO plans, they are hard to beat.

Secondly, we would look at either Blue Shield (more for PPO) or Health Net (more for HMO).

Kaiser is strong, especially on the Small Group side but they are unique in that the doctors are employees of the insurance company as part of an HMO model. They compete mainly on price.

With so many plan options and price points, there's not much reason to stray from the first three. Over the next 5-7 years, their strength will only continue to gain momentum, especially with Cross due to investments they are making now in their business.

Key points in choosing a California health insurance plan

These keys are important to figure out first.

1. Networks.  

The big deciding factor now between carrier is their list of doctors and hospitals.  Ask your doctors which carriers they participate with first..
2. HMO versus PPO.

Which one are you?

This is a key difference in the plans and you can quickly narrow the options.

Find out more on how HMO and PPO health plans differ.

3. Comprehensive coverage versus hospital plans. Try to stick with plans that are comprehensive. The carriers are introducing many new health plans that carve out benefits such as Brand name prescription and/or caps on services. We would recommend going with the lowest cost, comprehensive health plan. Usually, this is the HSA or Health Savings Account eligible plans. This is especially true as you get older...the annual premium savings will more than offset the higher deductible whether you use the plan or now.

The big Trade off in today's California health insurance plan

If we can impart one thing to look at, it's this...the plan choices are really a question of treating the small to mid size bills (office copays, prescription copays, and lower cost items..say $500-$1000) and how it treats the big bill ($50,000 surgery).

Determine which is more important to you or find a plan that blends the two. The big bill is dictated by the Max out of Pocket. The smaller bills are reflected by copays and the deductible amount.

Ultimately, there are almost too many California health insurance plan options. Please let us help you understand your options. As nice as this summary may be, there are quirks and twists to each plan so it is best to speak with us. With a few questions, we can isolate a few health insurance plans that really work for your situation with the sole purpose of offering a comprehensive health plan at the lowest cost.

Other important topics:

Comparing Covered California plans

You can run your California Health Plan Quote here 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.