individual health insurance plans

low cost individual health insurance

Individual Health Insurance

While some people gain their California health insurance plans through their employers, there are many instances where people need to gain their own individual health insurance.  Other reasons to get personal health insurance are if you are self-employed, unemployed or a student. Without having adequate individual health insurance coverage, an individual could run into expensive doctor bills and run the risk of bankruptcy.  Many individuals in the San Jose, Santa Cruz and the San Francisco Bay Area have had to change the way they look at their family or small business health insurance because of this fact.

Information about Individual Health Insurance Plans

There are many things to know about how to shop for individual health insurance plans.  Know that your premiums will most likely be higher than that of any small group insurance plan you may have been on in the past. 

You will most likely be asked to show proof of your health status.  Here is where, based on your health, you may receive higher rates because of a prior illness or current health problem.  Some individual health insurance applications are even rejected based on the health history of the applicant.

You will also need to understand how individual health insurance options such as Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), Health Savings Accounts (HSAs) effect each type of insurance plans. After all that is decided, choose the plan that offers the best fit for your individual health insurance needs.

Make sure you review the pricing structure for every plan, the dependability of the carrier, and any other oddities of the individual health plan. Pay special attention to the amount of coverage offered and the deductibles required.

We at are committed to helping you find and meet all of your personal health insurance needs. We offer access to multiple sources of individual and family health insurance quotes. Click on the Get a Quote button to find affordable individual medical insurance companies in California. Use our easy quoting tool to view individual health insurance quotes from each company, then narrow down your selections to the most-affordable individual health insurance plans. If you have any questions, either email us or call us at 888-887-4325.



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