There are many different options for health insurance in California if you are not covered by an employer, not a member of the military, and don’t qualify for Medicare or Medicaid. But if you’ve been turned down for health insurance, you may still have options. California is one of 34 states that has a Health Insurance High Risk Pool. This is a state-funded program that offers health insurance to residents who can’t get a policy elsewhere.
This program is designed to be used as a last resort for health insurance. Premiums from the California Health Insurance High Risk Pool are often much higher than that of private insurance. There is also a three-month waiting period after your last health insurance coverage to apply. At times, there is a wait of 12 to 18 months on top of that to be able to get insurance. You must also prove that you have been turned down for similar health insurance by a private company.
As you can see, the California Health Insurance High Risk Pool is not an ideal option, and if you can get insurance elsewhere, you should. And if you’ve been turned down for a policy, you may feel like you’re out of options. But this may not be the case. You should try working with Benefit Packages, an independent insurance agent who has access to a variety of plans available from many different companies. Our experienced agents will comb through the available policies to find one that you qualify for, so you can have health insurance while you are self-employed, or waiting to be covered by a new employer’s group policy. Contact us today to see what your options are.