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Blue Shield of California is great coverage especially if it is young family looking for a plan with maternity coverage and for a family where one of the adults on the plans is significantly younger than the other. Blue Shield bases their monthly premiums on the youngest primary policy holder. This can be any adult in the family. Blue Shield plans have low maximum out of pocket and wide acceptance with doctors. A lot of doctors in state of California prefer Blue Shield plans because Blue Shield reimburses them faster than most other insurance companies. Keep in mind that in some states Blue Cross and Blue Shield are the same company in state of California they are two different insurance companies competing for your business.

California has a lot of options for health insurance. There are companies that we all heard of and there are some companies that we never heard of. The largest carriers that are available in the State of California are; Aetna, Assurant, Blue Cross, Blue Shield, HealthNet, Kaiser, Nationwide, PacifiCare, Celtic and new company that is going to be available in state of California is Golden Rule. If you are looking at any other company that was not mentioned, use caution! Because all the health insurance premiums are going up there are companies that prey on people who need low premiums and but in return you get coverage that does not cover anything. They are just out there to make a quick buck and collect as much in premiums as they can before you cancel your coverage. Stay away from companies that you never heard of, no matter what they tell you. If you hear something like, "affordable health insurance for self-employed", run!