Individual Health Insurance

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). If you are looking for a California family health insurance quote or a California medical insurance quote for an individual, simply click on Start My Quote at the top of the page.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

For an instant online California family health insurance quote or a California medical insurance quote for an individual, please fill out our online form.

Choosing a health plan can be confusing, so when you recieve a California family health insurance quote, please contact us and ask any questions you may have. We can help you understand, choose and find the coverage thatýs right for you. 

Finding the right plan

Having quality healthcare is important. When receiving a California family health insurance quote, it is important to have a plan that fits your lifestyle, so that you are protected but, are not paying for benefits you donýt believe you will need. Our companies have affordable plans that can meet your specific needs and your budget.

You can't afford not to have health coverage

If you become sick or are injured in a serious accident, you could incur some very large medical bills. It is not uncommon to have medical bills totaling thousands even hundreds of thousands of dollars. Not only will your heath insurance protect you financially but, it also will protect your insurability. Many Americans would like to have coverage but, they can not medically qualify for a health plan. Once you receive your California family health insurance quote or an individual California medical insurance quote, you will be able to apply right online. Once you are accepted (assuming you answered all questions to the best of your ability) the company can not cancel your insurance for any reason other than non payment. We believe most Americans can afford at least a high deductible health plan and they canýt afford not to have one!

How your health care coverage works

Your cost for the healthcare services you receive-called your out-of-pocket costs- may include your deductible, copayment, and/or coinsurance. The maximum amount you have to pay each calendar year is called either the copayment/coinsurance maximum or the out-of-pocket maximum, depending on your plan.