California « Health Insurance Advisory

Welcome to the New Healthcare Law Center and State News

new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

California second behind Pennsylvania in Pre Existing Conditions Insurance Plan enrollment

The California Pre Existing Conditions Insurance Plan is now second behind Pennsylvania with the highest number of enrollees in the new government Pre Existing Conditions Insurance Plan. To-date, the golden state has enrolled more than 6,000 residents. The new healthcare law requires states to offer health insurance for pre existing conditions to eligible residents. Under the Pre Existing Insurance Plan, an uninsured resident of a state who is a citizen or legal resident of the United States that has a pre [...]

Read More » Authored by Administrator in California, Government Pre Existing Condition Insurance Plan, Pennsylvania | Comments Off

Blue Shield of California refunding $283 million of medical insurance premiums to policyholders

A key provision of the new healthcare law designed to promote affordable medical insurance is called the “minimum loss ratio” or MLR for short. It requires health insurance companies in the individual medical insurance marketplace to spend no less than 80% of every premium dollar collected from customers on claims. This includes expenses for medical services and supplies, such as hospitalization, surgery, office visits, x-ray, lab and prescription drugs. Along with claims, health insurance companies can also spend money on [...]

Read More » Authored by Pete S - Sr. Staff Writer in Anthem Blue Cross of California, Blue Shield of California, California | Comments Off

Low Cost Medical Insurance with an HSA

Health Saving Accounts (HSAs) paired with a high deductible medical insurance plan have significantly gained in popularity over the past several years for self employed individuals, families and employers of all sizes. These consumer driven health plans (CDHPs) offer low cost medical insurance and often lower out of pockets costs than traditional health insurance plans. In 2005, total HSA enrollment was only 1 million persons, while 11.4 million individuals as of January 2011 were enrolled in an HSA coupled with a high [...]

Read More » Authored by Pete S - Sr. Staff Writer in Alaska, California, Colorado, Connecticut, Delaware, Florida, Georgia, Health Saving Accounts, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Montana, Nebraska, New Hampshire, North Carolina, Ohio, South Carolina, Tennessee, Texas, Vermont, Wisconsin | Comments Off

California bill designed to promote affordable medical insurance fails

After months of effort, a bill allowing the Department of Insurance to regulate premiums for California medical insurance plans for millions of consumers has ended in the Legislature. The purpose of this bill was to promote affordable medical insurance. There were not enough votes for AB52 in the state Senate, as the measure faced tremendous opposition from medical plans and groups representing hospitals, doctors and the state’s public employees retirement system, among others. This is the fourth year that Democratic lawmakers have failed [...]

Read More » Authored by Pete S - Sr. Staff Writer in California, New Healthcare Law | Comments Off

California Pre Existing Condition Health Insurance Plan Lowers Rates

Californians that have pre existing health conditions and cannot qualify for an individual medical insurance plan just received great news.  Medical insurance will become more affordable. Under the new healthcare law, called the Patient Protection and Affordable Care Act, states are required to establish a public program, called the Pre Existing Condition Insurance Plan to provide medical insurance to individuals who have been denied health insurance (must also be a U.S. citizen or legal resident of California and not had insurance [...]

Read More » Authored by Administrator in California, Government Pre Existing Condition Insurance Plan | Comments Off

Medical Insurance Options – California

Having adequate, affordable medical insurance is essential because it helps ensure access to quality healthcare and helps pay for the high cost of medical services, supplies, surgery and hospitalization. You and your dependents may be eligible for one or more of the following alternatives in California: Medical insurance for young adults less than age 26 – California Under the new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), effective September 2010, young adults covered their parent’s medical insurance [...]

Read More » Authored by Administrator in California | Comments Off

Regulation of Medical Insurance Premiums – California

The oversight of individual, self-employed and small employer medical insurance happens at the state level. Since every state has its own unique set of regulations aimed at maintaining low cost medical insurance, the laws governing health insurance contracts vary dramatically. Some states have the authority to disapprove a health insurance company’s premium increase, while others simply review rates but do not have the authority to reject an increase. The laws also differ based on the type of medical insurance policy offered [...]

Read More » Authored by Administrator in California | Comments Off

California State Health Ranking

California ranked 26th in the nation for health status in 2010. Health is a result of our behaviors, our individual genetic predisposition to disease, the environment and the community in which we live, the clinical care we receive and the policies and practices of our health care and prevention systems. Each of us, individually, as a community, and as a society, strives to optimize these health determinants, so that all of us can have a long, disease-free and robust life [...]

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