Health Insurance For California Is Irreplaceable

In a study conducted by Cleveland Clinic researchers, more than 50 percent of patients chose to rely on the Internet to get information about their health condition rather than consult a doctor. Research also shows that certain websites present inaccurate information that could pose a threat to health.

Having California Health Insurance Gives You Peace Of Mind

Even healthy people need health coverage. Having a health plan can help maintain and may even improve the health and wellness for you and your family. And, it may also protect you financially in the event of a major accident or serious illness.

If you get a high-deductible health plan, premiums are generally on the low end. California health insurance plans purchased after Sept. 22, 2010, when health care reform became law, cover preventive health care with no out-of-pocket costs. This means you could get vaccinations, physical exams, and many tests to find cancer, like colonoscopies and mammograms, at no extra cost beyond your monthly premium.

To take the sting out of your high-deductible plan when you get into an accident, you may want to add a low-cost accident insurance plan with a $100 fixed deductible. After you spend $100, the rest of your accident-related medical costs are covered up to the maximum amount that you select. You can get coverage up to $10,000 per person per accident. Let's hope not, but if you get hurt a couple of times in the same year, you're covered with up to $10,000 both times.

California Health Insurance Can Protect Your Future

Even though health coverage does cost money, not having it could cost a lot more. Unpredictable medical needs, combined with high health care costs, could leave you with large medical bills if you're not insured. Having health coverage lessens the likelihood that you'll have to dip into retirement savings to pay for unexpected medical bills.

Now that new plans help you pay for common services like annual check-ups and preventive care, high-deductible plans have added value.

You may want to consider a HSA plan. That's a high-deductible plan that allows you to open a special tax-advantaged savings account. You can take your savings as a tax deduction while it's earning tax-free interest. Not all policies that include a deductible allow you to open a HSA, though. A California health insurance plan must meet specific criteria in order to be combined with a HSA.

With a HSA, you can get a tax deduction for money you save for future health care expenses whether you ever spend it for health care or not. Any money you don't need for medical bills is yours to keep as a retirement fund. While the money is in the account, it's not subject to federal tax just like IRA funds. You may also want to spend your HSA money on things rarely covered by CA health insurance. For instance, you can use your HSA to see the dentist. You won't have to pay taxes on the money you withdraw to pay for dental care even though you've been getting tax-free earnings on it.

If you want to save year after year, try comparing plans from different insurance companies. You might find a plan that fits your health needs without paying top dollar.


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By Wiley Long - President, eCAHealthinsurance.com - California's best online health insurance agency specializing in California Individual Health Insurance plans.  We have personal advisors to help you with your California Health Insurance needs.  Get online California Health Insurance quotes, apply online, and Save!