Family Health Insurance
in CA, IL, NJ, PA, TX
Health insurance plans for a family in California
California family health insurance is actually more affordable than many people believe. Specifically, managed care plans are the most popular choice when it comes to affordable family health insurance in California.
These plans provide the added benefit of granting you access to a network of hospitals, doctors, clinics, and specialists, who can offer medical services at affordable rates. Ultimately, this translates to lower premiums, coinsurance, and copayments, which means that you’re getting inexpensive insurance that doesn’t skimp on quality or coverage.
There are two predominant types of managed care plans in California, Florida, Illinois, New Jersey, Pennsylvania, and Texas.
PPOs (Preferred Provider Organization):
PPO plans offer highly adaptable medical coverage. You and your family will have a primary care physician, but with the freedom to see any specialist you choose form the company webiste,without obtaining a referral. Keep in mind, however, that seeing an in-network doctor will result in greater savings than an out-of-network doctor.
HMOs (Health Maintenance Organization):
With HMO plans, you have the power to choose a primary care physician who will be your trusted go-to doctor whenever you need medical care. If you or your family requires specialized care, your doctor will refer you to a specialist for comprehensive treatment, ensuring personalized healthcare and seamless coordination of your medical needs.
With HMO plans, copayments can be as low as $10. The only downside to these plans is that care can only be received from doctors within the network – services outside of the network are not covered.
Family Plan Pricing Depend on
Of course, you’re eager to discover the monthly cost of a family health plan, and rest assured that you can swiftly and effortlessly obtain no-cost California health insurance quotes for your loved ones. Your monthly payment will hinge on a variety of factors, such as:
- Your household income (husband+wife+children)
- Number of people in your household
- Number of people enrolling on the family health plan
- Age of each family member
- The health plan you choose
- ZIP code
Penalty
Starting from January 1, 2020, California residents must do one of the following:
- Have the required health insurance coverage
- Obtain an exemption from the coverage requirement
- Pay the penalty when filing their state tax return
To avoid paying the penalty, you will need to have qualifying health coverage for each month starting on January 1, 2020 f, r:
- Which providers are in the network?
- What is covered by the plan?
- How much out-of-pocket costs do you pay?
- How much does the plan pay for your coverage?
Many people are already covered by qualifying health insurance through:
- Employer-sponsored plans
- Coverage purchased through Covered California or directly from insurers
- Medicare
- Most Medicaid plans
Check out the exemption list for information about other exemptions that may apply to you.
Use the provided tool to estimate the penalty.
