There are so many things that you may not be aware of about your health insurance in California. Maybe you are not in the know because you just signed up for the health insurance offered by your employer.

In health insurance, as with anything, what you do not know can reduce your chances of choosing the right plan for you and your family. There are a few things that you should know about insurance in California, and here are five of them:

1. Having no insurance costs more. If you think that getting medical insurance is an added burden, think again. Even if you do not get sick a lot, it is better to be prepared in case a medical emergency falls upon you. There are so many stories out there of people who became bankrupt because they fell ill and they do not have health insurance.

2. Cheap premiums do not equate with good plans. When you shopping for health insurance it is not always the most expensive plan that is the best for you. Being over insured can be just as bad as being underinsured. Are you aware that a high deductible plan is much less expensive monthly than an ordinary PPO and may be better for your type of lifestyle?

3. Flexibility costs more. As you go through cost comparisons regarding health insurance in California, you may want to go with the insurance providers that allow you the most freedom when it comes to choosing doctors, hospitals and even what ailments are covered. Just remember though that being able to get what you want may cost you more in premiums and co-payments than you have expected.

4. Read the fine print. Does your health insurance cover everything that you feel it needs to cover? Check again, and this time, read the fine print of your contract. You may have overlooked a loophole in the contract and you can be sure that there is one, such as your insurance provider paying for your hospital stay but not for the drugs needed to treat you.

5. COBRA. If you participated in a company sponsored health insurance plan and you were laid off you are entitled to continue your health coverage for a period of 18 months. This cost is to 100% paid for by you unless you were involuntarily terminated in which the government will subsidize 65% of the cost per President Obama’s new stimulus. This is called the Consolidated Omnibus Budget Reconciliation Act or COBRA.

These are just a few things you need to know about insurance in California.

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