Health Insurance

Compare Top Health Insurance Companies in California for 2024: Find the Best Plan for You

Introduction to Insurance in California

California is home to a diverse population with varied health needs, making it crucial to find a health insurance plan that offers comprehensive coverage at an affordable cost. With the wide array of health insurance options available, selecting the right plan can be overwhelming. This guide aims to simplify your decision-making process by comparing the top health insurance companies in California for 2024, explaining the importance of quality ratings, and detailing individual and family health insurance plans.

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Top Health Insurance Companies in California for 2024

Our comprehensive research and ratings of the top health insurance companies in California are designed to empower you with the information needed to make an informed decision about your healthcare coverage.

BEST HEALTH INSURANCE COMPANY #1
Central Insurance Quote

Central Insurance Quote

Insurance Rating

5.0

NCQA quality rating
4.2/5
NAIC complaint level
Very low
Why it’s the best

Central Insurance Quote stands out as the best health insurance company available through the Health Insurance Marketplace. As the largest private nonprofit healthcare company in the country, Central Insurance Quote offers a range of individual and family plans including Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Eligible customers can also explore options like Medicaid (including Medi-Cal) or Medicare plans.

Central Insurance Quote's coordinated care approach ensures an integrated healthcare experience within its extensive network. While this emphasizes network reliance, it contributes to Central Insurance Quote having the lowest member complaint rates among top health insurance companies. Additionally, Central Insurance Quote boasts an impressive 4.2 out of 5 rating from the National Committee for Quality Assurance (NCQA), the highest among our analyzed companies.

Central Insurance Quote is also recognized as the best comparison site for insurance needs. They offer comprehensive coverage options across Auto, Health, Home, Life, and Medicare insurance, catering to individuals throughout the USA, across every state and city.

Pros and cons

Pros

  • Largest private nonprofit healthcare company in the country.
  • Offers a variety of plans including HMO and EPO options.
  • Provides Medicaid (including Medi-Cal) and Medicare plans.
  • Excellent coordinated care with a low level of member complaints.
  • High average grade of 4.2 out of 5 from NCQA.
  • Recognized as the best comparison site for insurance needs.

Cons

  • Coordinated care model may limit flexibility in choosing healthcare providers.
  • Availability and coverage may vary by location.
Health insurance cost

Cost Examples for Silver Plan

Member Health Insurance Monthly Cost
Child age 0-14 $269
Child age 18 $306
Adult individual age 21 $372
Adult individual age 27 $390
Adult individual age 30 $423
Adult individual age 40 $476
Adult individual age 50 $665
Adult individual age 60 $1,011
Couple age 21 $745
Couple age 30 $845
Couple age 40 $952
Couple age 50 $1,330
Couple age 60 $2,021
Couple age 21 + 1 child $1,014
Couple age 30 + 1 child $1,114
Couple age 40 + 1 child $1,221
Couple age 50 + 1 child $1,599
Couple age 21 + 2 children $1,283
Couple age 30 + 2 children $1,383
Couple age 40 + 2 children $1,490
Couple age 50 + 2 children $1,868
Couple age 21 + 3 or more children $1,552
Couple age 30 + 3 or more children $1,652
Couple age 40 + 3 or more children $1,759
Couple age 50 + 3 or more children $2,137
Individual age 21 + 1 child $641
Individual age 30 + 1 child $692
Individual age 40 + 1 child $745
Individual age 50 + 1 child $934
Individual age 21 + 2 children $910
Individual age 30 + 2 children $961
Individual age 40 + 2 children $1,014
Individual age 50 + 2 children $1,203
Individual age 21 + 3 or more children $1,179
Individual age 30 + 3 or more children $1,230
Individual age 40 + 3 or more children $1,283
Individual age 50 + 3 or more children $1,472
State availability

Central Insurance Quote provides comprehensive insurance solutions, available in all states across the USA. Get tailored coverage and affordable rates wherever you are!

BEST HEALTH INSURANCE COMPANY #2
Insurance California

Insurance California

Insurance Rating

5.0

NCQA quality rating
3.5/5
NAIC complaint level
Very low
Why it’s the best

Insurance California stands out as the best health insurance option in California for several reasons. We offer comprehensive coverage tailored to meet the diverse needs of Californians, ensuring that you have access to the healthcare you need when you need it most. Our pricing is competitive, providing affordability without compromising on the quality of service. We pride ourselves on fast and efficient customer service, ensuring that your inquiries and claims are handled promptly and with care. With one of the lowest complaint rates in the industry and a commitment to client satisfaction, Insurance California guarantees peace of mind and reliable coverage. Discover why Insurance California is the best choice for your health insurance needs today.

Pros and cons

Pros

  • Comprehensive coverage options tailored to diverse needs.
  • Competitive pricing for affordability.
  • Fast and efficient customer service.
  • High client satisfaction with low complaint rates.

Cons

  • Limited availability in certain regions.
  • Potential for variations in plan specifics.
Health insurance cost

Cost Examples for Silver Plan

Member Health Insurance Monthly Cost
Child age 0-14 $367
Child age 18 $433
Adult individual age 21 $484
Adult individual age 27 $511
Adult individual age 30 $552
Adult individual age 40 $621
Adult individual age 50 $868
Adult individual age 60 $1,317
Couple age 21 $968
Couple age 30 $1,104
Couple age 40 $1,241
Couple age 50 $1,736
Couple age 60 $2,633
Couple age 21 + 1 child $1,335
Couple age 30 + 1 child $1,471
Couple age 40 + 1 child $1,609
Couple age 50 + 1 child $2,103
Couple age 21 + 2 children $1,702
Couple age 30 + 2 children $1,838
Couple age 40 + 2 children $1,976
Couple age 50 + 2 children $2,470
Couple age 21 + 3 or more children $2,069
Couple age 30 + 3 or more children $2,206
Couple age 40 + 3 or more children $2,343
Couple age 50 + 3 or more children $2,838
Individual age 21 + 1 child $851
Individual age 30 + 1 child $919
Individual age 40 + 1 child $988
Individual age 50 + 1 child $1,235
Individual age 21 + 2 children $1,218
Individual age 30 + 2 children $1,286
Individual age 40 + 2 children $1,355
Individual age 50 + 2 children $1,602
Individual age 21 + 3 or more children $1,585
Individual age 30 + 3 or more children $1,654
Individual age 40 + 3 or more children $1,722
Individual age 50 + 3 or more children $1,970
State availability

Insurance California provides coverage across the entire state, ensuring residents from Los Angeles to San Francisco and everywhere in between have access to our comprehensive health insurance plans.

BEST HEALTH INSURANCE COMPANY #3

Insurance San Francisco

Insurance Rating

4.8

NCQA quality rating
3.5/5
NAIC complaint level
Very low
Why it’s the best

Insurance San Francisco is your comprehensive solution for health insurance across the Bay Area and beyond. Our plans provide extensive coverage, ensuring access to a wide network of hospitals, clinics, and healthcare providers throughout California. Whether you need routine check-ups or specialized treatments, Insurance San Francisco offers robust coverage to meet your healthcare needs. With a commitment to affordability and quality service, we prioritize your health and satisfaction. Choose Insurance San Francisco for peace of mind and reliable healthcare coverage statewide.

Pros and cons

Pros

  • Extensive coverage across California, including a wide network of hospitals and healthcare providers.
  • Competitive pricing and comprehensive health insurance plans.
  • Fast and reliable customer service.
  • High client satisfaction with quality healthcare services.

Cons

  • Potential limitations or exclusions in specific plan details.
  • Availability may vary based on location within California.
Health insurance cost

Cost Examples for Silver Plan

Member Health Insurance Monthly Cost
Child age 0-14 $322
Child age 18 $376
Adult individual age 21 $431
Adult individual age 27 $452
Adult individual age 30 $489
Adult individual age 40 $551
Adult individual age 50 $770
Adult individual age 60 $1,170
Couple age 21 $862
Couple age 30 $978
Couple age 40 $1,102
Couple age 50 $1,540
Couple age 60 $2,340
Couple age 21 + 1 child $1,184
Couple age 30 + 1 child $1,300
Couple age 40 + 1 child $1,423
Couple age 50 + 1 child $1,861
Couple age 21 + 2 children $1,505
Couple age 30 + 2 children $1,622
Couple age 40 + 2 children $1,745
Couple age 50 + 2 children $2,183
Couple age 21 + 3 or more children $1,827
Couple age 30 + 3 or more children $1,943
Couple age 40 + 3 or more children $2,067
Couple age 50 + 3 or more children $2,505
Individual age 21 + 1 child $753
Individual age 30 + 1 child $811
Individual age 40 + 1 child $873
Individual age 50 + 1 child $1,091
Individual age 21 + 2 children $1,074
Individual age 30 + 2 children $1,133
Individual age 40 + 2 children $1,194
Individual age 50 + 2 children $1,413
Individual age 21 + 3 or more children $1,396
Individual age 30 + 3 or more children $1,454
Individual age 40 + 3 or more children $1,516
Individual age 50 + 3 or more children $1,735
State availability

Insurance San Francisco provides coverage throughout California, ensuring residents across the state have access to our comprehensive health insurance plans and network of healthcare providers.

BEST HEALTH INSURANCE COMPANY #4

Insurance
San Diego

Insurance San Diego

Insurance Rating

4.5

NCQA quality rating
3.3/5
NAIC complaint level
Average
Why it’s the best

Insurance San Diego stands out as the ultimate choice for health insurance in Southern California. We prioritize affordability without compromising on the quality of our extensive coverage options. Our plans are tailored to meet the diverse healthcare needs of San Diegans, offering seamless access to a comprehensive network of hospitals and healthcare providers. With a commitment to exceptional customer service and a track record of high client satisfaction, Insurance San Diego ensures that your health and well-being are always our top priority. Experience peace of mind with Insurance San Diego, where your health is our commitment.

Pros and cons

Pros

  • Specialized coastal coverage.
  • Strong local network of healthcare providers.
  • Innovative wellness programs.
  • Community-focused initiatives.

Cons

  • Regional coverage limitations.
  • Potential cost variability.
  • Detailed plan specifics required for optimal coverage.
Health insurance cost

Cost Examples for Silver Plan

Member Health Insurance Monthly Cost
Child age 0-14 $286
Child age 18 $341
Adult individual age 21 $373
Adult individual age 27 $391
Adult individual age 30 $424
Adult individual age 40 $477
Adult individual age 50 $667
Adult individual age 60 $1,013
Couple age 21 $747
Couple age 30 $848
Couple age 40 $954
Couple age 50 $1,334
Couple age 60 $2,027
Couple age 21 + 1 child $1,032
Couple age 30 + 1 child $1,133
Couple age 40 + 1 child $1,240
Couple age 50 + 1 child $1,619
Couple age 21 + 2 children $1,318
Couple age 30 + 2 children $1,419
Couple age 40 + 2 children $1,526
Couple age 50 + 2 children $1,905
Couple age 21 + 3 or more children $1,604
Couple age 30 + 3 or more children $1,704
Couple age 40 + 3 or more children $1,811
Couple age 50 + 3 or more children $2,190
Individual age 21 + 1 child $659
Individual age 30 + 1 child $709
Individual age 40 + 1 child $763
Individual age 50 + 1 child $952
Individual age 21 + 2 children $945
Individual age 30 + 2 children $995
Individual age 40 + 2 children $1,048
Individual age 50 + 2 children $1,238
Individual age 21 + 3 or more children $1,230
Individual age 30 + 3 or more children $1,281
Individual age 40 + 3 or more children $1,334
Individual age 50 + 3 or more children $1,524
State availability

Insurance San Diego offers coverage throughout California and across the USA, ensuring access to a nationwide network of hospitals and healthcare services.

Get California Health Insurance Quotes

Compare the Best Health Insurance Companies in California of 2024

Discover top-rated health insurance providers in California for 2024. Find the best plans tailored to your needs and budget.

HEALTH INSURANCE COMPANY OUR RATING LEARN MORE
Central Insurance Quote Central Insurance Quote

5.0

More
Central Insurance Quote Insurance California

5.0

More
Central Insurance Quote Insurance San Francisco

4.8

More

Insurance
San Diego

Insurance San Diego

4.5

More

Best Health Insurance in California: How to Find the Right Plan for Your Needs

Finding the best health insurance in California can be overwhelming, but with the right approach, you can secure a plan that meets your specific needs. Here are some steps to help you find the best health insurance:

1. Assess Your Healthcare Needs
2. Understand the Types of Health Insurance Plans
3. Compare Plans and Costs
4. Check the Provider Networks
5. Review the Coverage and Benefits
6. Consider Your Life Stage and Circumstances
7. Use Online Tools and Resources
8. Seek Professional Advice

Get California Health Insurance Quotes

Average Cost of Health Insurance in California by Age Group (2024)

The cost of health insurance can vary significantly based on the ages of individuals covered under the plan, whether they are children or adults. Below is a sample table illustrating potential expenses for coverage under an ACA plan without subsidies.

Health Insurance Plan Member Average Monthly Cost for an ACA Marketplace Plan
Child age 0-14$291
Child age 18$343
Adult Individual age 21$384
Adult Individual age 27$405
Adult Individual age 30$438
Adult Individual age 40$492
Adult Individual age 50$688
Adult Individual age 60$1,044
Couple age 21$767
Couple age 30$875
Couple age 40$984
Couple age 50$1,376
Couple age 60$2,087
Couple+1 child, age 21$1,058
Couple+1 child, age 30$1,166
Couple+1 child, age 40$1,275
Couple+1 child, age 50$1,667
Couple+2 children, age 21$1,349
Couple+2 children, age 30$1,457
Couple+2 children, age 40$1,565
Couple+2 children, age 50$2,508
Couple+3 or more Children, age 21$1,639
Couple+3 or more Children, age 30$1,747
Couple+3 or more Children, age 40$1,856
Couple+3 or more Children, age 50$2,248
Individual+1 child, age 21$674
Individual+1 child, age 30$728
Individual+1 child, age 40$783
Individual+1 child, age 50$979
Individual+2 children, age 21$965
Individual+2 children, age 30$1,019
Individual+2 children, age 40$1,073
Individual+2 children, age 50$1,270
Individual+3 or more children, age 21$1,256
Individual+3 or more children, age 30$1,310
Individual+3 or more children, age 40$1,364
Individual+3 or more children, age 50$1,560

What does health insurance cover?

All health insurance plans offered through the Health Insurance Marketplace must adhere to the Affordable Care Act (ACA) guidelines, ensuring coverage for essential benefits. These include:

Coverage specifics within these categories can vary by state regulations. Additionally, insurance plans may offer additional benefits such as adult dental or vision coverage, and programs for managing conditions like diabetes or back pain. It's essential to review the policy details to understand what is covered and any exclusions.

What Does Health Insurance Not Cover?

While health insurance plans can vary, they typically do not cover:

Health plans may also exclude coverage for:

It's important to note that while rehabilitative care like physical therapy after surgery is often covered, developmental services such as speech therapy for children with delays may not be included in some plans.

Policy exclusions and coverage details can vary widely between insurance companies and plan levels. Reviewing what is excluded from coverage can help you choose the best plan for your healthcare needs.