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Lists of Insurers Providing Health Insurance Coverage in California 2018/2019

Updated • 10 months 3 weeks ago

The most recent news: Beginning Jan. 1, 2019, the penalty associated with the Affordable Care Act's (ACA) has been reduced to $0. What does it mean? The ACA's individual mandate requires most Americans to have a health insurance. But not anymore! Since 1.1.2019 the health insurance marketplace would be changed. What will be the primary effect of eliminating the individual mandate penalty in 2019. The goal, methods, conclusions and role of behavioral factors are explained here.


Finding the right individual & family health plans in California is not an easy task. Below are tables, that contains a list of the biggest health insurance companies in California providing individual and group coverage for anyone. But remember, that open enrollment for 2018 health insurance plans is over, and everybody should get ready to apply for 2019 medical coverage. People are asking, what's the best health insurance plan (individual coverage) in California? There is no simplified explanation or one single "best health insurance coverage" waiting for everybody! The only way how to find an affordable health insurance plan is to compare the most reviewed health insurance companies (insurance agents in California) near you and read reviews.

Important news: What if you go without medical plan altogether? Americans without health insurance in 2019 will not be subject to a tax penaltyThat doesn't mean that major medical insurance is less important than before!

Health insurers providing individual coverage in California

No matter, if you are an individual or family, finding the right health insurance plan is one of the most important investments in everyone’s life. Below table contains list of health insurance companies that meet all the California state and federal requirements for healthcare plans. Many of these insurers offers a free quote for visitors and California residents seeking affordable individual health insurance coverage options.

Insurance Company (individual coverage) Phone Number Official Website
American National Insurance Company 800-899-6503 www.anico.com
American National Life Insurance Company of Texas 800-341-3400 www.anico.com
Anthem Blue Cross Life and Health Insurance Company 877-875-1223 www.wellpoint.com
Assurity Life Insurance Company 800-276-7619 www.assurity.com
Blue Shield of California Life and Health Insurance Company 800-393-6130 www.blueshieldca.com
Celtic Insurance Company 800-714-4658 www.Celtic-net.com
Central United Life Insurance Company 800-669-9030 www.manhattanlife.com
CIGNA Health and Life Insurance Company 800-244-6224 www.cigna.com
Connecticut General Life Insurance Company 800-244-6224 www.cigna.com
Genworth Life and Annuity Insurance Company 888-436-9678 www.genworth.com
Guarantee Trust Life Insurance Company 800-338-7542 www.gtlic.com
Health Net Life Insurance Company 800-522-0088 www.healthnet.com
Time Insurance Company 800-553-7654 www.assuranthealth.com

Health insurers providing group coverage in California

Insurance Company (Group Coverage) Phone Number Official Website
4 Ever Life Insurance Company 800-621-9125 www.bcsf.com
American National Insurance Company 800-899-6503 www.anico.com
Aetna Life Insurance Company 800-872-3862 www.aetna.com
American Alternatives Insurance Corporation 800-305-4954 www.munichreamerica.com
Anthem Blue Cross Life and Health Insurance Company 877-875-1223 www.wellpoint.com
BCS Insurance Company 800-621-1295 www.bcsf.com
Best Life and Health Insurance Company 800-433-0088 www.bestlife.com
Blue Shield of California Life and Health Insurance Company 800-393-6130 www.blueshieldca.com
CIGNA Health and Life Insurance Company 800-244-6244 www.cigna.com
Connecticut General Life Insurance Company 800-244-6224 www.cigna.com
Group Ins. Trust of the CA Society of CPAs * 800-556-5771 www.cpaprotectplus.com
HCC Life Insurance Company 800-447-0460 www.hcclife.com
Health Net Life Insurance Company 800-522-0088 www.healthnet.com
Kaiser Permanente Insurance Company 888-503-0055 www.kp.org
Nippon Life Insurance Company of America 800-937-6542 www.nipponlifebenefits.com
Seechange Health Insurance Company 866-218-6009 www.seechangehealth.com
Standard Security Life Insurance Company of New York 800-477-0087 www.sslicny.com
United HealthCare Insurance Company 800-357-0978 www.uhc.com

How much does health insurance cost?

  • $200 for people under age 18
  • $240 for people age 18-24
  • $310 for people age 25-34
  • $390 for people age 35-44
  • $580 for people age 45-54
  • $810 for people age 55-64
Type of Health Insurance Plan Average Monthly Premium
Accident $27
Critical Illness $24
Short-Term $115
Fixed-Indemnity $117
Total $283

Low-cost health insurance plan

You need to figure out what is your budget and how much you can afford to spend on health premiums each month. If you're not eligible for California low-cost health insurance plan (usa.gov) because your income from employment is too high, you can buy medical coverage directly from an insurance company, through an insurance agent or broker in you city or from an online health insurance seller. According to California income guidelines, if an individual makes less than $47,520 per year ($97,200 if family), then they qualify for tax credits to lower your premiums (government assistance for low income insured).

How to apply for 2019 health insurance?

How to apply in 2019 How to do it
Online If you have a 2018 plan, you can compare new plans, and renew or change for 2019
By phone An insurance agent of you choice helps you fill out an application form and review your choices
Through an agent or broker Captive and independent insurance agents and brokers will help you apply and enroll
By mail Send an email to your insurer
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