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California health insurance is a hot issue because of the state's current economy in 2009 and that the health care system in the United States is undergoing tremendous change. Those who do not have health insurance through an employer have many choices, but the task of choosing a plan can be overwhelming. If you are looking at private insurance, plans come in all price ranges and service levels, so consider your budget, how limits on choices of doctors and hospitals will impact you, and how many prescriptions you fill a month. If you are able to take advantage of a COBRA plan through a former employer, that may be your best bet for maintaining the coverage you are used to, but these plans can be expensive. If you feel that you just need “short term” insurance, you can buy a policy that spans a couple months – but beware that these policies have numerous exclusions and there are many conditions they do not cover. Finally, for those who qualify, there are state programs including Access for Infants and Mothers (AIM), CalWORKS, Healthy Families, Medi-Cal, and the Major Risk Medical Insurance Program (MRMIP). If you do not qualify for the low-cost/no-cost health insurance alternatives, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
eHealthInsurance
Your Health
Supplements Guide
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