California has worked hard to build a network of health insurance providers to ensure that everyone who wants to buy health insurance can get it and, to achieve this, California law requires insurers to write certain provisions into all plans sold within the state. Additionally, it is the stated aim of California to ensure that health insurance plans are made available to all Californian residents, regardless of their level of income.

Two very important provision of California state law are that all health insurance plans must be renewable and that you may not be denied insurance cover simply because of a preexisting condition. In other words, once you have a health insurance plan, that plan cannot simply be cancelled by your insurer and when it runs out you must be given the opportunity to renew it.

If you are young fit and healthy you may not see the need for health insurance and probably feel that you have better things to spend your money on. However, if you live in California, you might want to think again.

Insurance is designed to cover accidents and unexpected illnesses and none of us know what is going to happen tomorrow. A motor accident or chronic illness could suddenly turn your world upside down and leave you needing not simply immediate medical treatment but ongoing long term care for years to come.

If you live in California and encounter such an accident or illness then the great advantage that you have is that, as long as you are insured at the time of the accident or illness, your insurer must not only honor your contract for as long as it is valid but must then offer to renew it for you and go on doing so for the remainder of your life. In most other cases this would not be so and, once your plan ran out, your insurer could deny you further cover in the light of your condition.

California’s aim of getting everyone in the state insured is laudable because it will ultimately reduce the cost of health insurance for all residents of the state and also reduce the costs of medical care for the state itself. So, if you live in California and do not currently have health insurance then you might like to think about getting yourself a California health insurance quote online today and giving yourself peace of mind tomorrow.

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