Health Plans in California

California health insurance plans are available primarily through Covered California, Medi-Cal and directly through carriers. Covered California Plans include Anthem Blue Cross, Blue Shield, Health Net, Kaiser Permanente, Molina Healthcare and more.

Private and Group Plans

Small and large business health plans in California are often available through your employer. If not, you can enroll on a private health insurance plan with your agent or broker. Based on your income, you may qualify for government assistance on a health plan through Covered California. If your employer offers affordable coverage, then you are not eligible for an up-front tax credit/subsidy through the Exchange.

Compare Rates and Benefits

Click California health insurance quotes to view custom rates online. Fill out a simple form in around 30 seconds to get an instant quote. No contact information is required, so you do not have to worry about getting a flood of phone calls or emails. Compare the various metallic health plans for California. Bronze plans are usually the cheapest. No deductible Platinum plans cost the most, but they offer the best coverage. You may want to do comparisons between HMO, PPO, EPO, and HSA plan types.

Medicare Plans for Seniors

Seniors 65 years and older usually qualify for government assistance on Medicare health insurance in California. Find Medicare advantage, Medigap, Medicare supplemental plans, prescription drug plans and other senior health plans in California including Part A, Part B, Part C, and Part D. Federal and private medical insurance plans are available. Open Enrollment for Original Medicare is from January 1 to March 31 if the applicant did not sign up when he/she was initially eligible. Medicare Advantage and Part D prescription drug plan enrollment is from October 15 through December 7.

by John Hansen

Blue Shield of CA Maintains the PPO and thus the Image of Being the Carrier Who Offers “Choice”

What’s an EPO? That was the big question for many consumers during the 2017 Open Enrollment Period in California. It made consumers uneasy, and it caused many to switch from Anthem Blue Cross Covered California to (more...)

Posted: August 18th, 2017 under Anthem Blue Cross California , Health Plans in California


by John Hansen

TRIO is Blue Shield of California’s aim at providing an affordable, high quality managed care product. It is an HMO, so the primary care physician (PCP) serves as the gateway to specialists in an effort to lower costs.

Blue Shield Covered California aims to get every patient to do an initial visit with their PCP to get their checkups. Or, as Renee Casserly, Director of Sales Operations and Business Development at Blue Shield of California, says...

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Posted: July 8th, 2017 under Blue Shield of California , Health Plans in California

by John Hansen

When the Affordable Care Act was passed, Blue Shield Covered California hit the pause button on brand building. They focused their attention on Health Care Reform and being ready for the radical changes in the market. In so doing, they road on their reputation as it was previously established and stopped working on building their brand. 

After (more...)

Posted: June 23rd, 2017 under Blue Shield of California , Health Plans in California


by John Hansen

Things are getting shaken up at Molina Health Care. In the last month, the company terminated two top executives from the Molina Family, chief executive J. Mario Molina and his brother, finance chief John Molina. The company blamed this on “disappointing financial performance”. When you put that together with the bold moves Molina Insurance made in California in 2016 (very aggressive pricing, high broker c...

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Posted: June 9th, 2017 under Covered California Insurance , Health Plans in California , Molina Healthcare California

by John Hansen

Health Net has issued off cycle second quarter rate changes that will impact Covered California Small Business renewals and new business with effective dates of May 1, 2017 and June 1, 2017.

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Posted: February 24th, 2017 under Health Net California , Health Plans in California

By Wendy Barnett

Early in January, Blue Shield of California announced that they signed a new 3-year agreement with Sutter Health effective January 1, 2017. This is great news as it allows Sutter Health Hospitals and doctors to remain a part of Blue Shield’s network across the state.

What this Means for Members

Blue Shield of California members can now rest assured that their Sutter Health doctors and hospitals will st...

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Posted: February 15th, 2017 under Blue Shield of California , Health Plans in California

By John Hansen

Many Californians’ Will Lose Their PPO Coverage if They Don’t Act Quickly

As a reminder, effective January 1, 2017, some consumers who have Anthem Blue Cross Covered California will have a plan change from a Preferred Provider Organization (PPO) to an Exclusive Provider Organization (EPO). Covered California consumers who were...

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Posted: November 14th, 2016 under Anthem Blue Cross California , Health Plans in California

by John Hansen

Obamacare rates are going up in 2017. Most states will have rate increases in the double digits. According to leading General Agency / FMO, Health Family Insurance, they have seen nothing in the single digits across the country with regard to average rate increases by state.

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Posted: August 31st, 2016 under California Marketplace , Molina Healthcare California , Obama Health Care

by John Hansen

HMO Health Insurance Plans

Health maintenance organization plans, also known as HMOs, are often the most affordable health insurance plans you can buy. HMOs are managed care plans. You receive health care from a network of providers who agree to offer services to members. HMO insurance plans cover the medical services of a group of doctors, specialists, clinics and hospitals.

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Posted: August 31st, 2016 under Molina Healthcare California

by John Hansen

Yes. Molina Insurance rates are available through Quotit along with the rates and benefits for all carriers that are offered through Covered California, the State Health Benefits Exchange.

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Posted: August 31st, 2016 under Molina Healthcare California

by John Hansen

Molina Healthcare offers the best in class broker support team for their agents. They have a broker support phone line. Where other carriers can bounce you around and make you wait for a long time, Molina has been very good at answering phone calls in a timely manner.

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Posted: August 29th, 2016 under Molina Healthcare California

by John Hansen

Molina Healthcare is a medical insurance company that knows who they are and where they are going. They compete in the government assistance health insurance market. They offer on-exchange medical plans through state and federal exchanges. That’s their niche, and they have no interest in the off-exchange market. The opportunity for Molina in the Obamacare marketplace is just too great. The three biggest markets for Molina are Florida, Texas and California.

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Posted: August 29th, 2016 under Molina Healthcare California

by John Hansen

Molina Healthcare is the fastest growing Fortune 500 company that offers Affordable Care Act (ACA) health insurance coverage. Their mission is to serve underserved individuals by focusing on those needing assistance, government funded programs, and tax credits like the ACA.

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Posted: August 29th, 2016 under Molina Healthcare California

by John Hansen

The Health Family Insurance (HFI) Life Insurance Product division, Secure Life Financial, was founded at the end of 2010. Now, HFI is one of the top producers of life insurance sales for Trans America. The company is a General Agency and a Field Marketing Organization (FMO) which supports over 1000 brokers nation-wide, offers individual and (more...)

Posted: August 29th, 2016 under Molina Healthcare California


by John Hansen

Health Family Insurance offers Medicare Advantage senior health insurance plans. They provide coverage from high quality, top tier Medicare insurance companies including the following:

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Posted: August 29th, 2016 under Molina Healthcare California

by John Hansen

Health Family Insurance, a leading US Field Marketing Organization (FMO) headquartered in Florida, Texas and California offers other products than straight medical insurance through their 1000+ producers. They offer supplemental health insurance plans for individuals, families and for seniors ages 65 and over.

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Posted: August 29th, 2016 under Molina Healthcare California

by John Hansen

Health Family Insurance General Agency offers competitive HFI compensation to their agents and brokers who sell health insurance in California and in other states. They provide exclusive HFI compensation programs not found anywhere else through carriers or other Field Marketing Organizations (FMO). In 2015, their agents received 6% new business commissions and up to $35,000 in bonuses paid by (more...)

Posted: August 29th, 2016 under Molina Healthcare California


by John Hansen

Health Family Insurance (HFI) is a Managing General Agency or Field Marketing Organization (FMO). The company has been supporting brokers for over 20 years with sales of individual and family health plans in California, Texas, Florida and across the nation. HFI started in Florida and later expanded to Texas, California and other areas. They recruit and train independent (more...)

Posted: August 29th, 2016 under Molina Healthcare California


by John Hansen

The Blue Shield of California dental plans offer a variety of benefits and services for adults and children enrolled in their Medicare Supplement plan. Unlike other carriers, Blue Shield Dental Insurance California offers unique dental PPO plans. This allows patients to visit dentists within the Blue Shield of California network along with limited coverage from dentists outside their network.

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Posted: July 25th, 2016 under Blue Shield of California

by John Hansen

Covered California for Small Business Gets a Blue Shield Silver Obamacare Health Plan

In 2017, Blue Shield will be adding a Silver Insurance Plan to their Covered California for Small Business (formerly SHOP) plan offerings. Consumers have been frustrated that Shield has not included a silver health care plan on the California Exchange for groups. It has made SHOP less appealing, and it has made Blue Shield less attractive to consumers considering enrolling in (more...)

Posted: July 25th, 2016 under Blue Shield of California


by John Hansen

Care First Will Aid Blue Shield with Consumers Who Toggle Between Covered CA and Medi-Cal

In 2015, Blue Shield, California’s largest non-profit health plan, acquired “Care First”. Currently, the medical insurance carrier is working to integrate Care First into the company.

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Posted: July 25th, 2016 under Blue Shield of California

by John Hansen

Blue Shield of California knows that dropping grandfathered plans is not the most popular thing to do. It goes against the spirit of the Affordable Care Act (ACA). It makes consumers angry. People instantly hear echoes of the Obama Care promise, “You will be able to keep your current plans.”

But will I? Well, maybe. Yes, you can keep your current Blue Shield plan. That’s true as long as the

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Posted: July 25th, 2016 under Blue Shield of California

by John Hansen

Blue Shield of California calls the new plan “Trio”. This will be an ACO plan. ACO stands for Accountable Care Organization. This health benefits package will operate much like an HMO, and it might even be labeled an HMO. Top Blue Shield representatives said they were unsure at this time whether or not it would get the HMO label. However, they seemed certain that this plan would help them compete with California’s top HMO, Kaiser Permanente.

The Trio ACO plan will have a Primary Care ...

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Posted: July 25th, 2016 under Blue Shield of California

by John Hansen

Kaiser Permanente’s integrated model requires not only the building of new facilities, but also a steady influx of qualified medical personnel. Toward that goal of acquiring the most qualified staff, Kaiser Permanente has gotten into the business of hiring medical groups.

Also, Kaiser Permanente, a leading California health plan, has contracted with medical students who ...

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Posted: July 25th, 2016 under Kaiser Permanente California

by John Hansen

In an Effort to Improve Efficiency, Blue Shield of California Requires Agents to Be Paid by Electronic Funds Transfer

June 2016, Blue Shield of California is mandating that all health insurance brokers selling their plans sign up to receive their commissions by Electronic Funds Transfer (EFT). This will help lower operating costs for this California health plan that is fighting hard to compete with Anthem Blue Cross and Kaiser Permanente.

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Posted: July 25th, 2016 under Blue Shield of California

by John Hansen

Anthem Blue Cross and Blue Shield of California Compete on Many Levels, but the Deciding Factor is Usually Network

Blue Shield of California has Sutter in their network. Anthem does not. Regarding Stanford, Anthem offers coverage through the hospital but not the medical group. Blue Shield has both.

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Posted: July 12th, 2016 under Anthem Blue Cross California

by John Hansen

Learn What the Health Net Health Plan is About and How it Compares to Other Plans Like Anthem Blue Cross

Health Net medical insurance coverage includes both HMO and PPO products. According to the Health Net Health Plan, their HMO plans are more popular in Southern California, while their PPO products are more popular in Northern California.

Health Insurance from Health Net: Full Networks and Skinny Networks


by John Hansen

The Centene-Health Net Merger is the first of three major health care mergers in California to occur this year. The Aetna-Humana and Anthem-Cigna mergers are still facing regulatory review.

Health Net Insurance Co Stockholders

Centene purchased the Health Net Insurance Company and stock shares were divided. According to Fierce Health Payer, “Health Net shareholders received 0.622 shares of Centene common stock and $28.25 in cash for each ...

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Posted: July 12th, 2016 under Health Net California

by John Hansen

Anthem Blue Cross and Blue Shield of California are leading the way when it comes to transparency regarding the cost of various health care procedures. They are now providing online tools where consumers can look up various health care procedures, see average costs, and view mor...

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Posted: May 24th, 2016 under Anthem Blue Cross California , Blue Shield of California

by John Hansen

Blue Shield of California Embraces the Mandate to Assign Primary Care Physicians (PCP’s)

Covered California has mandated that all carriers assign Primary Care Physicians (PCP’s) to all their members. Many expected PPO’s like Blue Shield of California to balk at this. However, top leaders at Blue Shield agree that this move is in everyone’s best interest.

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Posted: May 23rd, 2016 under Blue Shield of California

by John Hansen

On May 3-4, 2016, Blue Shield leadership including two vice presidents met with 25 of California’s top agents to thank them for their sales, share industry insights and to receive input. The meetings consisted of a Tuesday night meet and greet and Wednesday morning brainstorm session. On Wednesday morning, the dialogue went on for over four hours.

Strong Agent-Carrier Relationship

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Posted: May 23rd, 2016 under Blue Shield of California


by John Hansen

Efficiency is what Kaiser Permanente is great at, and it’s paying off financially. Likely, California’s leading HMO will use this surplus to streamline more, give members a better experience and improve health outcomes. However, due to its inability to take on too many new members, Kaiser Permanente is not expected to lower its rates.

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Posted: May 23rd, 2016 under Kaiser Permanente California

by John Hansen

If Kaiser Permanente has a surplus of income, then why not just give the money back to the members? Why not just lower prices for everyone?

Blue Shield of California has their 2% commitment, where they give refunds back to their members if they make over 2%. Why doesn’t Kaiser Permanente just follow suite?

Why Kaiser Can Lower Its Rates


by John Hansen

The reinsurance stipulation of the Affordable Care Act comes to an end in 2016. This could prove advantageous for Kaiser Permanente, who tends to only be hurt by reinsurance.

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Posted: May 23rd, 2016 under Kaiser Permanente California

by John Hansen

Due to the efficiency of the Kaiser model, the end of reinsurance, top ratings in the state and growing popularity, Kaiser Permanente also has to deal with the problem of what to do with surplus income. They have three main options.

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Posted: May 23rd, 2016 under Kaiser Permanente California

by John Hansen

During the 2016 Open Enrollment for Covered California, Blue Shield of California enrolled the largest amount of new clients into the exchange of any of the carriers in the Health Insurance Marketplace. Blue Shield took 28% of market share followed by Anthem Blue Cross at 25%, Kaiser Permanente at 24% and Health Net at 13%. Of the enrollments with the other eight carriers offered by Covered California, they only added up to 9%...

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Posted: May 23rd, 2016 under Blue Shield of California

by John Hansen

Blue Shield of California Brings the Regional Sales Managers Back to Headquarters

In 2015, one of the top carriers with Covered California, Blue Shield, pulled their fifteen Regional Sales Managers (RSM’s) out of the field and brought them back to the main office to service their agents remotely. This allowed their RSM’s to service more agents and to serve the...

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Posted: May 23rd, 2016 under Blue Shield of California

by Stephen Saucier

2 Separate Deductibles

One strength of Blue Shield’s PPO plans has been the fact that they have only one deductible rate regardless of in or out of network charges. For example, in 2015 the deductible for the Blue Shield Silver 73 PPO was $1,600 for individuals and $3,200 for families. These rates held true regardless of whether you receive coverage from in-network providers or out-of-network providers.

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Posted: September 16th, 2015 under Health Plans in California

by Stephen Saucier

Embedded vs. Aggregate

In the past, Bronze 60 HSA plans through Blue Shield provided an aggregate deductible on family plans. What that means is that before benefit coverage could kick in for anyone, the whole family would have to pay 100% of the plan deductible. That is, a family would have to cover a total of $9,000 in costs before they would receive benefits. This will not b...

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Posted: September 16th, 2015 under Health Plans in California

by Jessica Howland and Stephen Saucier.

Every year it’s safe to assume that there will be some changes made to Covered California’s Individual and Family Plan coverage benefits. This year will be no exception. While it doesn’t appear like there will be any major changes, there will be some minor changes that will help consumers make better apples-to-apples comparisons with more plan transparency.

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Posted: September 2nd, 2015 under Health Plans in California

by Esmeralda Mercado

Earlier this year, many people enrolled on a Covered California health plan just to comply with the mandate and avoid the tax penalty. Check mark! Since then, however, another issue has arisen. A good number of people have been shocked to learn that their doctors who previously accepted their health plan were no longer accepting it if the plan was purchased through Covered Californ...

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Posted: June 12th, 2015 under Health Plans in California

The federal government offers many health care benefits to American Indians and Alaska Natives. To qualify, you must be a member of one of 573 federally-recognized tribes across the country. California currently has 109 federally-recognized tribes.

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Posted: August 11th, 2014 under Health Plans in California

by Holly Davies

Chinese Community Health Plan (CCHP) is a distinctive local healthcare provider serving consumers in San Francisco and San Mateo counties with a group of physicians who offer culturally competent and sensitive care at affordable rates.

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Posted: August 5th, 2014 under Health Plans in California


by Holly Davies

Now that the dust has settled from the open enrollment under the Affordable Care Act, we will take some time to highlight the carriers available when you enroll on a Covered Ca plan. This week we will focus on L.A. Care Health Plan.

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Posted: July 23rd, 2014 under Health Plans in California