Individual Health Insurance California

Individual health insurance California helps you to look after yourself and your family on the chance that your body falters. Yes, keeping a fit body and mind is essential, but if something unexpected happens to you, hospital expenses can quickly rack up. Individual health insurance comes to your aid to prevent staggering expenses if you face a medical emergency. It covers medical expenses for injuries, illness and some medical conditions. Everyone is different, the same as your health insurance needs. It’s important to choose a health insurance plan that works for your lifestyle and budget. If you’re buying health insurance on your own, it’s a good idea to take a look at all the angles. Compare individual health insurance California plans, don’t spend more than the right health insurance coverage than you need.

Importance of having a health insurance

The importance of having health insurance should not be dismissed or underestimated. Your entire savings that you’ve worked for all your life can easily be wiped out with just one major medical event. With medical costs on the rise, even the most routine of surgeries can end up costing you tens-of-thousands of dollars, while more sophisticated procedures can run into the hundreds-of-thousands of dollars. Health insurance can safeguard you and your family from financial ruin by helping pay overwhelming medical bills. Before selecting a health program, do your research to figure out what is best for you and your family. Just because you and your loved ones are enjoying good health now, you never can tell when something will go wrong. And when it does, you want to be covered. Nothing beats the feeling of knowing that you’ll be protected when an emergency situation does strike.

Choosing Your Health Insurance

As with all types of insurance, health insurance comes in many forms and is available at different levels of coverage. Health insurance you buy on your own, for you and your family is called individual coverage. Individual or family health insurance plan could be right for you if you are:
  • Self-employed
  • In between jobs for more than three months
  • No longer covered by a parent’s health care plan
  • Unable to get affordable coverage through an employer
Individual health plans are categorized to match your needs. In general, the more you pay out of pocket for your deductible, the less you pay in premium for the coverage.


Health insurance company will pay for 60% of your health care costs and you’ll pay 40% out of pocket. If don’t have frequent medical needs, then this might be the right plan for you.


Health insurance company will pay for 70% of your health care costs and you’ll pay 30% out of pocket. This plan provides a balance between monthly premiums and out-of-pocket costs.


Health insurance company will pay for 80% of your health care costs and you’ll pay 20% out of pocket. If you use a lot of care, this plan is right for you.


Health insurance company will pay for 90% of your health care costs and you’ll pay 10% out of pocket. This plan is for you if you are willing to save on out-of-pocket costs. In contrast, this has a high monthly premium.