How to Get Health Insurance in California

You need health insurance to cover you, not only for life's little aches and pains, but also for major catastrophes. If you were to get cancer or be involved in an accident without insurance, the results could be financially devastating. Fortunately, you have several options if you live in California. Health insurance programs in California range greatly in price, from free to more than $1,000 per month. Use due diligence when searching through programs so that you understand what your insurance does and does not cover.

Instructions

• 1

  Choose a health insurance plan sponsored by your employer. Many employers offer health insurance as a benefit to their employees. Typically, your employer will bear the brunt of the cost. If you live in California but work for an out-of-state company---in a telecommuting position, for example---check that the insurance is accepted by health care providers where you live.

• 2

  Continue your health insurance through the Consolidated Omnibus Budget Reconciliation Act (COBRA). When you leave your job, you are able to continue your current health plan if you are willing to take on the premium payments. The costs are often high, though, and you should compare them with private plans in California.

• 3

  Compare private health insurance plans in California. Aetna, Kaiser and Anthem Blue Cross all offer plans to individuals and families.

• 4

  Apply for government-supported health insurance plans. Low-income families can receive health insurance through Medi-Cal and Healthy Families.

• 5

  Get high-risk insurance if you don't qualify for private plans. If you have a preexisting condition, you may not be able to get private insurance. California offers insurance for those with preexisting conditions through the California Major Risk Medical Insurance Program.