There are many reasons to live in the Golden State. It’s the most populous state so you’ll meet plenty of people. It has the highest and lowest points in the United States and the 3rd longest coastline. One of the few places where you can get the ocean and the mountains in o
ne place, residents of California enjoy outdoor activities, but still have health issues that must be contended with. But, for such a populous state, it enjoys a high level of healthy people. In fact, the United Health Foundation ranked California 22nd healthiest state.
Strengths included a low infant mortality rate, as well as a low rate of sedentary and obese individuals. This is a huge issue for many other states so having a low ranking for this particular statistic is great.
California Health Insurance Quotes and Facts
But, that doesn’t mean there aren’t still issues for which you need health insurance. Almost 4 million resident smoke, which can lead to cancer and other lung and breathing complications.
Also, 2.5 million residents have diabetes, which if not properly cared for, can become a very serious condition resulting in loss of limbs and even death. When you don’t have health insurance, you’re less likely to go to the doctor due to the cost of even just a regular visit.
When you’re sick, visiting the doctor can cost even more when you add in diagnostic tests and prescriptions. If you have a disease without health insurance, it’s almost impossible to pay for your healthcare. Specialists and hospitalizations are very expensive and many times, people wait until a problem is very serious before visiting a doctor.
At that point, medical costs are prohibitively expensive and many individuals find themselves declaring bankruptcy to avoid the medical bills. Although avoiding health insurance may seem like a good idea to save a few bucks now, it can really hurt you in the long run. Even if you lead a healthy lifestyle, having California health insurance is a necessity.
If you get into an accident, how will you pay for your broken leg? If you aren’t sure where to find affordable California health insurance, use our website to compare policies and California health insurance quotes to get a health care plan tailored to your needs.
California Medical Insurance Statistics
Let’s look at some statistics regarding California health insurance. While health insurance statistics aren’t very exciting, they’re informative. When you choose a health plan, you need to be informed about how health insurance works within the state and understanding HMO enrollment and how much it costs to stay in a hospital will not only help you choose the right plan, but also help you set the right coverage limits and deductible amounts.
Consider the following statistics about health care coverage in California:
- Total California Residents – 37,370,000
- California uninsured residents – 20%
- Total California HMO enrollment – 15,992,025
- Average annual employee premium in California employer-sponsored plan (after employer contribution): $974
- Average California hospital cost per inpatient day (before insurance) – $2,566
Source data according to the Kaiser Family Foundation:
- Total Number of Residents, states (2010-2011), U.S. (2011)
- Health Insurance Coverage of the Total Population, states (2010-2011), U.S. (2011)
- Total HMO Enrollment, July 2011
- Average Single Premium per Enrolled Employee For Employer-Based Health Insurance, 2011
- Hospital Adjusted Expenses per Inpatient Day, 2010
California state government health insurance resources
- California Department of Insurance: This website provides consumer information as well as specific information regarding senior healthcare. Call the Consumer Hotline if you have questions: 1-800-927-4357
- California Department of Managed Healthcare: This allows California consumers to learn about the various health plans as well as your benefits and rights. You can also find helpful information about how the Affordable Care Act affects you.
- California Department of Health Services: This website helps Californians find reliable individual health insurance and works with the California Department of Public Health.
- California Consumer Health Issues: This site is a great resource for anything and everything health insurance related. You can make a complaint, ask a question, and look up definitions.
The Cost of a California Health Insurance Quote
The majority of Californians obtain their health insurance through an employer even though they aren’t legally required to offer a healthcare plan. That changes in 2014 with the implementation of the Affordable Care Act as long as the business has over 50 employees. If you have individual health insurance, you can expect to pay around $3,000 per year, but if your family obtains coverage on the individual market, it’s much more expensive. Finding healthcare can be stressful, but there are ways to make sure that you get a reliable health plan while still saving money.
Use our website to help you compare plans and when the state exchanges take place, check back for updated information.