CA Health Insurance Options
If you live in the state of California, there are a number of different options for obtaining health insurance. CA health insurance plans following the conventional model include PPO and HMO plans. These plans require monthly premium payments. Lumenos Health Savings Accounts are an alternative option. Instead of paying premiums, account holders make monthly contributions to a special tax-free account, and the funds (which receive interest) can be used to pay for any medical expenses.
Finding the Right CA Health Insurance Plan
There are advantages to each of the various CA health insurance options available. PPO insurance plans are particularly flexible, and permit members to change doctors easily. HMO plans are slightly more affordable, although this is at some cost to flexibility, as referrals may be required if you wish to see a specialist. The advantage of a health savings account is that you are in control of the funds which you deposit, and you also may get money out if you retire. You can find out about specific plans in different categories by reading free brochures.