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CA Department of Insurance

Getting Health Coverage

Choosing the right health insurance for you and your family or your small business is important. But it is not always easy. There are many different types of coverage. Here is some information to get you started. The Health Insurance Basics section may also help you.

We divided health coverage into these three categories:

Group Coverage

Group coverage is sold to employers or other groups. This is what you get when you get health coverage through your job. Employers usually pay for some of the premium each month. Employees may also need to pay for some of the premium. There are two types of group plans: one for small employers and one for large employers.

Shopping for Individual/Family Coverage

In this type, individuals buy coverage for themselves or their family. You can buy coverage from an insurance company directly, a licensed insurance agent, or through Covered California, California's health insurance marketplace.

Public Programs

These are low or no-cost programs for people who qualify based on income or other factors. Medi-Cal is one example.


Considerations When Purchasing Health Insurance

Four things you should think about when choosing coverage - costs, provider network, benefits, and quality.

California Healthcare Compare

Using the tools available through our website, California Healthcare Compare, you can find the higher- and lower - performing hospitals and medical groups for childbirth, hip and knee replacement, back pain, colon cancer screening, and diabetes care. You can also see how your costs for the same medical care can vary greatly by exploring what people who live in your area pay in more than 100 different medical situations, from appendicitis to urinary tract infections.

PPO Quality Report Card

Our PPO Report Card will allow consumers to compare PPOs in a number of key areas such as Diabetes Care, Treating Children, Heart Care and others.

Health Insurers in California

We provide a list of insurance companies licensed to provide health insurance coverage in California.

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