California Health Insurance

Even with nearly 365 days of sunshine to keep their spirits up, nice weather isn’t a cure-all. Californians still need health insurance to guard against illness and health issues, so The Simple Dollar has compiled the facts and figures that help you compare health insurance rates and keep you informed on everything to do with California health insurance.

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Stats in Your State

Compare your insurance rates and premiums with the following graphs to get a sense of how your premium stacks up against other consumers in California and across other states. And whether you can afford your own health insurance or not, it’s no secret that health insurance premiums aren’t cheap. Millions of Californians are enrolled in government-funded health insurance plans, and millions more go without health insurance altogether.

Chip Medicaid

Over six million California children are enrolled in state and federally funded insurance programs. Just over two out of three children in this category are enrolled in Medicaid.

Individual Health Insurance Premiums

At just under $1,000 per year, the yearly cost of health insurance for California workers is roughly $100 below the national average.

Family Health Insurance Premiums

Health insurance costs for California families are in line with the national average. Because of the state’s varied population, it presents a fairly accurate sample that mirrors the U.S. as a whole.

SAHIE Health Insurance Uninsured

According to Census Bureau estimates, over six million California residents go without health insurance on a yearly basis.

Rules in Your State

Health insurance in California is similar to most states in the U.S. in that private healthcare providers service the majority of insured Californians, however California does offer some state-provided options for those without healthcare or who have limited options to seek treatment.

Medi-Cal – Medi-Cal is a California health program that will pay for various medical services as stipulated by the overseeing organization, the California Department of Health Service (DHS). This coverage is designed to help those with “limited income and resources and/or disabled individuals”. What’s even greater about Medi-Cal is that qualifying individuals would receive coverage regardless of preexisting conditions.

From the California Department of Insurance:

You have a right to:

  • Be treated with courtesy and respect.
  • Get quality health care.
  • Get care from qualified medical personnel.
  • Choose a primary care doctor or pediatrician you trust, and change doctors if you are not satisfied.
  • Get an interpreter when English is not your first language.
  • Get an appointment when you need one.
  • Understand your health problem.
  • Understand the risks and benefits of your treatment choices.
  • Get a second opinion about a diagnosis or treatment.
  • Choose or refuse treatment.
  • Have your health information protected.
  • Get a copy of your medical records.

Representatives & Resources in Your State

Whether you need support on an issue, have particular questions about your situation, or are just looking to dig deeper into California’s regulations and practices around health insurance, you can use the following resources and representatives for more information. Contact your health insurer as well for information on their particular programs and customer support practices.

Department of Insurance
California Department of Insurance
Consumer Services Division
300 South Spring Street, South Tower
Los Angeles, CA 90013
Get Directions
Health Related Insurance Information

Insurance Commissioner
Sacramento Office
300 Capitol Mall, Suite 1700
Sacramento, CA 95814
916-492-3500
Fax: 916-445-5280
Get Directions

Healthy Families Program
P.O. Box 138005
Sacramento, CA 95813-9984
Phone: (800) 880-5305

California Association of Health Underwriters (CAHU)
P.O. Box 1071
Fresno, CA 93714
Phone: (800) 322-5934

Department of Health Care Services
P.O. Box 997413
Sacramento, CA 95899-7413
Phone: (916) 445-4171

Department of Managed Health Care (DMHC)
980 Ninth Street, Suite 500
Sacramento, CA 95814-2725
Phone: (888) 466-2219

Healthcare.gov
To better understand how the Affordable Care Act will be affecting California residents’ health insurance policies, Healthcare.gov has compiled plenty of details on the current state of health insurance and the changes to come in the coming months and years.