Individual health insurance in California is something which an individual buys independently. Individual health insurance can be purchased as a single individual, a child only, or as a family. In many cases it is less expensive for a family to purchase an insurance policy for each family member independently.

How to Buy Individual Health Insurance?

Individual health insurance can be purchased from a licensed agent or broker. We have made it even easier to purchase health insurance. Here you are able to run your own health insurance quotes, compare plans, and apply for online at your leisure. We have made it possible for you to fill out your application including e-signature all online. Your application is then underwritten by the carrier of your choice until either an approval or declination is released.

Call and speak to one our licensed agents to help answer any questions you may have regarding choosing the right plan for you and your family.

How is Individual Insurance Different from Group Insurance?

The main difference between individual and group health insurance is that individual insurance applicants undergo an underwriting process. This is when the insurance carrier reviews an applicants medical history and looks for any pre-existing conditions or history of claims. With group health insurance the group is considered to be guaranteed issue. This means that no matter what the health status of the group is they are guaranteed approval.

How Premium Rates are Determined?

Premium rates are already set based on an applicant’s home zip code, age, and health status. If an applicant’s health status is poor they may be approved at a higher tier in which the premium is higher.

Once the insurance releases a rate you, that rate is guaranteed at least a year. Sometimes carriers will promotions on specific plans to allow a 24 month rate guarantee.

Are Pre Existing Conditions Covered?

Depending on the conditions severity the health insurance carrier will decline an applicant with a pre-existing condition. Generally if one carrier declines an applicant due to pre-existing condition all carriers will although there are guaranteed issue plans available to applicants that have certain conditions. Guaranteed issue individual plans are more expensive to attain.

Get Quotes Today!

Call us at 888-202-9441 or email us at admin@ezhealthinsuranceca.com for a free consultation.

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