How to Lower Your Health Insurance Premiums in California

Health insurance is essential for protecting you and your family from unexpected medical expenses. In California, the health insurance market offers a variety of plans, each with different premiums, coverage options, and benefits. Understanding how to navigate this market can help you find a plan that fits your budget while providing the necessary coverage.

5 Tips for Reducing Your Rates

Health insurance premiums can be a significant expense, especially in a state like California, where many areas have high living costs. Fortunately, there are several strategies you can employ to reduce your health insurance premiums without compromising on the quality of your coverage. Consider the following:

1. Shop around. Use the Covered California marketplace to compare different health insurance plans. Look at the premiums, deductibles and out-of-pocket costs to find a plan that offers the best value for your needs.
2. Consider a high-deductible health plan (HDHP). If you are generally healthy and do not expect to need frequent medical care, an HDHP can be a cost-effective option. These plans typically have lower premiums but higher deductibles.
3. Take advantage of subsidies. Depending on your income, you may qualify for subsidies through Covered California. These subsidies can significantly reduce your monthly premiums.
4. Maintain a healthy lifestyle. Some insurance providers offer discounts or lower premiums for individuals who maintain a healthy lifestyle. This can include regular exercise, a balanced diet and not smoking.
5. Review annually. Health insurance needs can change over time. Make it a habit to review your plan annually during the open enrollment period to ensure you are still getting the best rate and coverage for your current situation.

How to Get the Right Health Plan Near Me

Contact Shelton Insurance in Hollister, California, today to learn more about health coverage options and find an ideal plan at the best available rate.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.