Without medical insurance even small medical bills can be financially devastating, which is why having family medical insurance in California is crucial to your families physical and financial well being. At BestHealthcareRates.com finding the most affordable family medical insurance plan has never been easier.

Simple enter your zip code above and click submit and BestHealthcareRates.com will collect benefit plan details from all of the top insurance companies in California. All of these plans will be sorted by price, but with the click of a button you can sort them by deducible, type of plans, insurance company or price range. With over 350 California family medical insurance plans, it has never been easier to get the best plan at the best price!  

As California is an "accept or reject" state California insurance companies underwrite medical insurance applications and must accept or reject applicants for medical coverage. In the case of a family application the insurance company can:

• accept some family members and reject the rest.
• accept everyone on the application.
• decline everyone on the application.
• accept everyone on the application, but charge a higher rate for the whole family.
• accept everyone on the application, but charge a higher rate for one or more members of the family.

California family medical insurance companies will determine which applicants are eligible for coverage and at which rate based on each family members past and present health and the applicants age. If you are concerned that your application for family medical insurance maybe declined or rated up, we would highly recommend that you contact us at 877-812-5111 and one of our licensed insurance professionals will help you find the best plan for your family at the best possible price. There are no fees for our service. 

While underwriting an application, an insurer will gather a families medical records from their doctors or from the MIB and they will generally make their decision to offer coverage or not based on this information. The only two exceptions to this is for HIPPA eligible consumers, and for the new born dependants of an insured. The insurer does not underwrite HIPAA eligible consumers, but instead are required by federal law accept their application for coverage. New born children are immediatly covered on their mothers policy for the first 31 days, during this time the mother must add her new born child to the policy.

California Family Medical Insurance Resources

Programs that offer help and support to consumers in California:

• The California Department of Insurance 
• Access for Infants and Mothers Program (AIM)
• Healthy Families Program
• Managed Risk Medical Insurance Program (MRMIP)