With the passing of the Affordable Care Act, the state of the California health insurance industry and the process necessary for getting your hands on complete and comprehensive coverage has changed significantly.
The Affordable Care Act brought a lot of significant advantages, benefits, and protections to the world of California health insurance, but there are a variety of obstacles you’ll have to jump over to protect yourself with this coverage as well.
On top of that, you need to make sure that you are as informed about these changes as possible, and that you know which details have the biggest impact on buying California health insurance today.
Hopefully by the time you’re done with this quick guide you will have a better idea of exactly what you’re getting into.
Your medical history is going to have a huge impact on the price of California health insurance
Even though the Affordable Care Act now forces California health insurance companies (and insurance companies all over the US) to take on new clients even if they have a previous or prior medical condition, there aren’t all that many restrictions as to how much extra they are able to charge each month because of prior or previous medical conditions.
This is why so many young and healthy individual spend so much less on health insurance man those that have existing medical conditions, a fact that can dramatically increase the amount of money that you have to spend on your health insurance each and every month.
A handful of other personal details will also have a big impact on your California health insurance premiums
On top of your existing medical conditions or your previous medical history, your age, lifestyle factors (whether or not you drink or smoke, etc.), and a variety of other personal details are going to dictate how much you have to spend on California health insurance as well.
Different insurance companies have different ways to weigh and measure these personal details, but it’s important to realize that absolutely every single one of them out there will be factoring these into your premium price equation.
You always have the opportunity to negotiate for less expensive California health insurance
At the end of the day, you are going to be glad to know that you always have the opportunity to negotiate for less expensive California health insurance. Sure, you’re going to have to do quite a bit of research and due diligence on your own behalf, but at the end of the day you might be able to save hundreds or even thousands of dollars.