Get Health Insurance Rates
from the top California companies in 30 seconds or less
Its easy to find the insurance you need with our web service.
Whether you are looking for health insurance, life insurance,
medicare supplements, mortgage rates or health insurance for
the self employed, we can help.
Health insurance coverage is sold to consumers through individual policies or group policies. Individual health insurance coverage should be pursued when your employer does not offer health insurance as a benefit of employment, when you cannot be named as the dependent on another person’s insurance policy, or when you are not a member of a professional or trade association that offers group coverage.
You may be self-employed, an independent contractor, or be employed by a small employer and do not have access to a group
policy. Individual coverage can be obtained by contacting a licensed health insurance agent or broker, who is licensed to sell insuance in California. You will need to complete an application that includes your medical history, which will be reviewed by a medical underwriter at the health insurance company. If you meet the underwriting qualifications and are issued a policy, the company may not cover preexisting conditions up to one year after the effective date of the policy. However, if you have been previously insured under an individual or group policy without a break in coverage of more than 62 days, your new insurance company must apply the prior creditable coverage towards any waiting period for preexisting conditions. Individual health insurance companies may reject your application based on your medical history.
(Source - California Department of Insurance - Consumer's Guide to Health Insurance)
The California Department of Insurance
can help you with any questions you may have about a policy issued to you in California.
