Individual health insurance is the name given to insurance plans designed for a single individual, couple or family. Unlike group coverage plans, the cost of a California individual health insurance plan is not spread out among a pool of employees. As a result, premiums for individual plans tend to be higher than for group plans. But that is not always the case and that does not mean that getting quality individual health coverage has to cost an arm and a leg.
"Exchange" refers to Covered California, an organization that provides health insurance plans with financial assistance paid for by the government. If an insurance plan is "On Exchange", it may come with financial assistance.
Click here for a Quick Guide to Covered California.
Off Exchange refers to an insurance plan you can buy privately without assistance from the government.
Search the individual coverage options available on our site. Better yet, get a more personalized approach and find the right policy for you by contacting one of our insurance brokers directly.
Group health insurance is exactly as the name implies – California health insurance for a group of people. This group is usually a group of employees at a business but it can also be a labor union or a group of business professionals working under a single entity. Since group health insurance is purchases by employers, premium costs for individuals within the group can be kept low – which is great for everyone in the group!
If you’re an employer searching for group health insurance, start by searching available plans right here. This will give you a quick idea of some of your options. For a more comprehensive approach, pick up the phone and call us to speak with one of our group health insurance brokers. By partnering with our brokers, you’ll discover a wealth of group coverage options to choose from – all without having to search.