Use the links below to get medical insurance quotes, view healthcare plans, and apply for Kaiser Permanente individual, child, and family health insurance in California.
Benefits of Individual Health Insurance: California Coverage
Healthcare needs arise unexpectedly. Due to the rising costs of California individual medical insurance, those who are not covered on a quality health insurance plan may incur expenses beyond what they are able to handle. The consequences could include a lack of care in time of need, poor healthcare, or expenses that diminish one's assets and standard of living. Often, healthy Californians put off getting health insurance coverage when they do not have an immediate need for medical care. The danger of this is that when they do end up needing coverage, they may find themselves uninsurable. Individual, family and even California child health insurance may be unattainable for those with serious pre-existing health conditions. Securing medical insurance coverage now can serve to protect your family and your assets should the need for healthcare arise.
Why choose Kaiser Permanente for family health insurance in California?
Kaiser Permanente is the leading HMO providing California family medical insurance. HMO stands for health maintenance organization. As an HMO, Kaiser Permanente incorporates California individual health insurance coverage, medical facilities, and physicians in a unique integrated system that provides state of the art healthcare for its members. Kaiser Permanente has focused on preventative medicine including providing classes for healthy living and discounts on acupuncture, chiropractic care, message therapy, Weight Watchers memberships, and even selected fitness club memberships. Those looking for individual, child or California family health insurance will find high quality care and affordable prices with Kaiser Permanente. The motto continues to focus on your quality of life. We want you to thrive!
Northern and Southern California Individual Health Insurance Quotes for You and Your Family
What is required to get instant California individual medical quotes online?
California individual health costs have been in flux. Medical insurance prices tend to rise each year in January. Before applying, we recommend getting instant individual or California family health insurance quotes online. In a matter of seconds, you can view health insurance prices and compare plan benefits. We recommend that parents presently on business plans compare group and individual pricing for their children. Depending on your scenario, if you enroll your children separately, you may save on family medical. California child health insurance quotes are just as quick and easy. Click "Get a quote" above and answer two simple questions to get your instant California family health insurance quotes online.
Tips for Getting Affordable California Family Health Quotes
Individual and family health insurance rates for couples are based on the age of the youngest spouse or domestic partner. Couples with a wide age disparity may find they save money by applying together. Others may reduce their costs by applying separately. We recommend that couples and families get medical insurance quotes together and separately in order to find out how to get the most affordable California individual health insurance rates. If you foresee that some individuals in the family may be experiencing a greater need for healthcare in the future than others, you may wish to acquire richer benefits for these family members and get more low cost plans for the others.
Prices on California individual health quotes are determined based on plan type, number of individuals to be insured, age, and location. Copayment plans tend to offer richer coverage at a higher cost and deductible plans make more affordable prices available. When California individual and family health insurance rates change in January, you may wish to downgrade your coverage in order to achieve lower rates. California child health quotes and plan coverage are offered for children ages 18 and under as well as children who are 19-22 who are full time college students. Children ages 19-22 will need to complete the Student Certification Form in order to enroll with their family as a dependent.
California Individual and Family Health Plans
Choose from the California family health insurance plans listed below. Kaiser Permanente offers Copayment, Deductible, and HSA-qualified Deductible Plans.
Copayment Plans
The Kaiser Permanente $25 Copayment is the most popular of our California individual medical plans. Though it is the most expensive of the individual health insurance offerings, many find the greater coverage makes it worth the price. Some individuals and families who want a California individual health insurance plan without a deductible and are not concerned about prescription drug coverage choose the $50 Copayment in order to keep the cost of their monthly premiums down.
Deductible Plans
Choosing a California family health insurance plan with a deductible can lower your monthly premium. In 2008, all non-HSA deductible coverage types include doctor visits with a copayment before the deductible is met. Higher deductibles mean more affordable monthly payments. Those with deductible healthcare coverage pay the full member price for their benefits (excluding regular doctor visits and preventative care) until they reach the deductible. Kaiser Permanente keeps track of payments in order to know when the deductible is met. Once it is met, the member only pays copayments. Those with healthy kids may wish to choose a California child health plan with a deductible to save on monthly premiums.
$1,500 Deductible Plan * (includes chiropractic)
Kaiser Permanente HSA
Kaiser Health Savings Account coverage is growing in popularity. The $0/$1500 Deductible Plan with HSA has become one of our most popular healthcare types due to the fact that it provides affordable coverage and has the lowest out-of-pocket maximum of any of the offerings. These Kaiser HSA California family health plans are government qualified so that members have the option of opening a health savings account at Wells Fargo or their preferred financial institution.
$0/$1,500 Deductible Plan with HSA *
$0/$2,700 Deductible Plan with HSA
$30/$2,700 Deductible Plan with HSA
Compare California Individual Health Plans
Compare California Health Plans by downloading this Adobe PDF. All eight Kaiser Permanente California individual health insurance plans are listed side-by-side for easy comparison.Note: Current Members Who Wish to Change Coverage Type may downgrade at any time. However, members who wish to upgrade will need to re-apply.
* = Most Popular
