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Laws and Options for California Health Insurance

The golden state of California is the most populated in the whole of the United States and data has shown that it has the largest number of uninsured persons, thus making it look like California Health Insurance indices was in bad shape. Though, there have been laws in place and a number of State options in place to serve as guidance, the laws have been refined and options expanded to make things better for the citizens. Let us take a look at the current laws guiding and options available to you under California Health Insurance schemes.

California Health Insurance Laws

The major laws guarding practices related to California Health Insurance include the normal Federal Laws and those acts passed within the State. These include the mandatory employers’ group health insurance scheme, the COBRA Act and the California Health Insurance Reliability Act (CHIRA), which came into action in 2005.

California health insurance clients enjoy the mandatory group insurance which stipulates that employers with a certain number of employees and above must procure a group health insurance plans for all employees and certain number of dependants as part of their total remuneration. Under California health insurance laws, some employees opt for the Consolidated Omnibus Budget Reconciliation Act (COBRA) plan instead of the employee group insurance. These two are enjoyed by all states across the nation, not only under California health insurance laws.

The CHIRA is very specific to California health insurance as it was passed in 2003 in response to the very high and growing number of uninsured persons within the State of California. It helped to improve health insurance coverage to a greater number of people. Let us now take a look at some of the options available under the California health insurance plans, most of which are tied back to the laws explained above.

Health Insurance Portability and Accountability Act (HIPAA)

This California health insurance plan was passed in 1996 as a stop gap to ensure that citizens who lost their jobs or were in the process of changing jobs still had their health insurance coverage intact during the waiting period. It is more of a short term insurance plan.

California Major Risk Medical Insurance Program

The plan was put in place under California health insurance laws to assist people whom are uninsurable for one reason or the other. In so far as you qualify for this scheme, you get treated regardless of your pre-existing medical conditions. Funding for this health insurance plan is gotten from taxes received from tobacco companies.

There are a number of under plans available under California Health insurance and full information on the above and others not listed can be gotten from the California State health department.

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