At one time, Health Insurance in Murrieta CA was a luxury few people had at their disposal. These days, with the cost of healthcare soaring ever higher, it’s becoming a necessity. Though tax penalties for not having coverage are on their way out the door, the cost of care would outweigh that of coverage for many people. If you’re currently looking for health insurance, several options are available to suit your specific needs.
Temporary Coverage
If you’ve been turned away by a previous insurance provider or your coverage lapsed because of an inability to pay monthly premiums, short-term medical insurance is a possibility. Premiums are often less expensive than those of long-term solutions, but coverage may not be as extensive. Certain preexisting medical conditions aren’t covered, either. Still, open enrollment for these programs is a year-round event, and qualified applicants can get coverage quickly.
Affordable Care Act Plans
Those looking for long-term coverage have numerous policies to choose from. Those falling under the ACA encompass a wide range of medical needs including preventative care, prescriptions and emergency care to name a few. Applicants can’t be turned down or subjected to higher premiums due to preexisting conditions, so base-priced coverage is guaranteed. Of course, despite the “affordable” aspect of these plans, many fall well outside the budgets of those seeking Health Insurance in Murrieta CA.
Government-Assisted Options
According to the latest reports, all states offer government-based medical coverage for those who can’t afford other options. Medicaid, CHIP and Medicare fall under this category, but some states have other alternatives as well. In order to qualify for these plans, you must fall within specified income parameters. Coverage of this type is available to children as well as adults in many circumstances, and those meeting the income prerequisites can’t be turned down because of existing health issues.
An endless array of healthcare policies is available for California residents. From employer-provided plans to government-assisted programs and numerous options in between, almost everyone qualifies for some type of coverage. Don’t hesitate to fully explore your options to find which one best suits your needs and budget before settling on a plan. Contact Barranca Insurance Services Inc. for further details or to request a medical insurance quote. You can also connect them on Facebook.
