California Health Insurance Plans and Healthshare Programs
HSA for America Offers California Health Insurance Plans and Healthshare programs at the Lowest Rates Available!
HEALTH INSURANCE QUOTES
Get instant access to both HSA-qualified and non-HSA options. Compare plans side by side to find the best health insurance in Florida.
**The word "HSA" will be in the plan name if the plan is HSA-qualified**
HEALTH SHARING PLAN QUOTES
Looking for an alternative to traditional insurance? Health sharing plans offer a more affordable way to make sure your family is protected from unexpected medical expenses.
Note: When you get an instant quote, you will only see plans available in your zip code. Some plans are limited to certain areas of the state, while others may only be offered during specific enrollment periods.
We have indicated the most popular option we offer in CA in the list of health insurance carriers and health sharing organizations that we represent below. Easily compare plans and rates when you run a health insurance instant quote or a healthshare instant quote.
In California there is a mandate requiring residents to carry qualified health insurance. If you are not exempt from this requirement and do not have health insurance, you will be required to pay a penalty of 2.5% of your income, and no less than $695 per person and an additional $347.50.
We believe that people should be free to make their own decisions about their healthcare. Fortunately, members of qualified health care sharing plans are exempt from this mandate. The health sharing plans in California that we recommend include OneShare Health, Altrua Healthshare, Medi-share, Mpowering Benefits, and Sedera.
You can also learn more about California Small Business Health Insurance and California Direct Primary Care.
If you have any questions or would like free personal assistance in choosing a plan and getting enrolled, reach out directly to one of our Personal Benefits Managers that handles California.
Aetna
Aetna is a large health insurance company that serves 23.5 medical consumers across the U.S. Aetna believes in health equality and is working to make a difference in communities that need it most.
Altrua Healthshare
Altrua is notable for its popular RUBY plan tier. It features extremely low monthly costs, though benefits are limited as well. For example, on their cheapest plan, sharing benefits are capped at $150,000 per year.
Altrua Ruby is a particularly good match for older health share members because, unlike most plans, it does not base pricing on age.
As a faith-based health share ministry, Altrua focuses on keeping monthly contributions low while offering solid protection from major medical expenses.
Anthem Blue Cross is one of the most widely known and trusted names in the health insurance industry. They have one of the more popular plans in California, especially in the southern part of the state. The Anthem network allows you to see doctors nationwide.
Read More about Anthem Blue Cross
Blue Shield of California is the state's third largest health plan, with 3.3 million members and $7.5 billion in annual revenue. Founded in 1939 and headquartered in San Francisco, Blue Shield is a not-for-profit corporation with approximately 4,500 employees and more than 20 offices throughout California.
Read More about Blue Shield of California
CCHP offers Qualified Health Plans through Covered California in San Francisco and the San Mateo counties.
Read More about Chinese Community Health Plan
DPC Direct
DPC Direct is an affordable, cost-efficient health sharing program exclusively for Direct Primary Care patients.
DPC clinics charge a low monthly fee to cover all primary care, including preventive care and unlimited doctor visits, while DPC Direct protects from emergency and hospitalization expenses. (Read more about Direct Primary Care in our Complete Guide to Direct Primary Care).
Healthnet offers plans throughout California. They have a good sized network of doctors, while their rates vary in competitiveness from year to year.
Read More about Health Net
HSA Secure
This innovative health share plan is also HSA-compatible. HSA Secure offers great catastrophic sharing benefits, and excellent value overall.
Currently available to business owners, independent contractors, or individuals with verifiable self-employment income. (If you don’t meet these criteria, consider the CARE+ plan, which has nearly identical benefits (except it does not include certain preventative screenings) and is available to anyone, including W-2 employees and those between jobs or looking for an affordable “bridge to Medicare eligibility.”)
Independence Holding Company (NYSE: IHC) is a holding company that is principally engaged in underwriting, administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet, and group life insurance through its subsidiaries since 1980.
Kaiser Permanente is a leading health insurance company serving more than 9.5 million customers nationally. They offer a strong commitment to living a healthy lifestyle, and partner with various organizations in the community to encourage healthy eating. Kaiser also has an Environmental Stewardship Program, which works to eliminate environmental factors that can cause disease. Kaiser offers individual and family plans, as well as Medicare plans.
Read More about Kaiser Permanente
Medi-Share
Medi-Share is among the largest and most established health share ministries in the country, with a 25-year track record of reliable cost sharing and a 98% member satisfaction rate.
It’s an explicitly Christian organization: new members are expected to attend religious services and attest to their Statement of Faith.
For over 30 years, Molina Healthcare continues to provide quality and affordable health insurance plans to individuals, families and businesses. It is a FORTUNE 500 multi-state health care organization that provides NCQA-accredited care and services designed to promote and improve the health and well-being of their members.
Read More about Molina Healthcare
National General
National General Holdings Corp, the parent company of Accident & Health, covers a wide range of insurances from car to homeowner to health. As a division of NGHC, National General Accident & Health is committed to bringing short-term and supplemental coverage to individuals and groups.
OneShare Health
An affordable, faith-based health sharing plan with excellent maternity benefits. OneShare Health’s comprehensive Classic plan compares favorably to netWell Healthshare or Thrive.
Read More about Oneshare Health
Oneshare Cat365
The OneShare Catastrophic365 plan is a low-cost short-term healthshare plan.
Read more about OneShare Cat365
Sedera
Sedera Health has no annual or lifetime sharing caps, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Secular - no religious component or requirements.
Sharp Health Plan is the the only commercial not-for-profit health plan in San Diego. Sharp Health Plan hold the ‘Commendable’ accreditation status by the National Committee for Quality Assurance. They strive to provide every customer in San Diego with a personalized, affordable experience.
Sutter Health Plus is a low-cost HMO health plan that is available to individuals, families, and businesses in the greater Sacramento area. These traditional health insurance plans offer complete coverage for outpatient services, hospital care, prescription drugs, and more.
United Healthcare
As a member of UnitedHealth Group Inc, the second-largest healthcare company in the world, United Healthcare is uniquely equipped to offer effective, affordable health insurance plans to individuals and businesses across the United States.
Read More about United Healthcare 
Universal Healthshare
Universal Healthshare is based on the principles of Unitarian Universalism.
This faith-based but non-denominational health sharing ministry is open to members of all faiths who agree to adhere to its statement of principles. A good choice for someone who wants a low initial non-shareable amount. Universal is a good choice for those with pre-existing conditions, with a short 1-year exclusion period, then a $50,000 cap for years 2 and 3.
Read More about Universal Healthshare
Valley Health Plan in California was founded in 1985 and is available in Santa Clara County, Aromas, Hollister, and San Juan Bautista. There are five levels of coverage available: minimum, bronze, silver, gold, and platinum, the premiums and coverage of which scale with each tier.
WBA Plan
WBA offers a very low-priced supplemental accident plan that will reduce your deductible for any accident to just $100. To learn more and sign up, visit the Accident Plans page.
Western Health Advantage has a four star rating, the highest it can receive, by Covered California. They offer individual and family health insurance plans on California's state exchange.
Read More about Western Health Advantage
Get an Instant Quote to Help You Find the Best Health Insurance in Florida
HSA-QUALIFIED HEALTH INSURANCE QUOTE
Quickly compare HSA-qualified health insurance plans in Florida. Look for the blue HSA symbol to find options that let you save on premiums while also enjoying tax benefits.
Choose your state below to get a free individual health insurance quote for both HSA-qualified and non-HSA health insurance plans.
HEALTH SHARING PLAN QUOTE
Explore low-cost health sharing plans in Florida—one of the most affordable ways to protect your family without relying on traditional insurance. These plans let members share medical while keeping monthly costs manageable.
Choose your state below to get a free individual quote on our low-cost health sharing plans in Florida.
Learn more about healthshare programs
For a quote on a group, please fill out this Census Form or schedule a consultation with one of our small business experts.
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