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There are many different types of health insurance plans in the marketplace.  It is our job to make the process as simple and efficient as possible.  Let's explore a little bit more about health insurance.  Premiums are very important obviously when looking at different health insurance options.  Below are some things to consider when deciding on how much you should pay for health insurance. 

What Types of Plans Should I Look For?

There are way too many plans to choose from and it can become very intimidating.  Let us try to break down the basics of the types of plans in California that you might come across.

  • HMOs (Health Maintenance Organization).  These types of plans are one of the most affordable in the marketplace.  This is primarily because of the managed network structure that is in place.  Individuals who have this type of coverage have to designate a primary care physician , which will be the starting point for all medical services that might be needed through out the year. 
  • PPOs (Preferred Provider Organization).  This is also another affordable individual health insurance plan that gives people access to all health care providers within the network.  Additionally, you can also go out of network and most plans will cover you for care as well.  This type of health insurance is flexible and affordable. 
  • HSAs (Health Savings Account).  The HSA is primarily used for tax-free strategies so individuals can save some extra money during tax time.  Also, HSAs have high-deductible plans which are primarily used as "just-in-case" insurance, or catastrophic coverage for those unfortunate emergency events.   

Understanding How Premiums Determine The Benefits Within Each Health Insurance Plan

Premiums is the monthly cost that you have to pay to maintain your individual health insurance plan.  Some plans offer the option to pay premiums on a quarterly basis.

  • Usually, the higher the deductible on the plan, the lower the health insurance premium
  • Healthy people should consider choosing a higher deductible plan to offset the high premium cost of health insurance
  • If insurance is something you use consistently for your health care, then a lower deductible plan with a higher premium might help you save money in the long run

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