Health Insurance Quotes Online

At Freeway Insurance, we believe everyone should have access to good healthcare. We provide free assistance to help you and your family apply and enroll for health coverage through Covered California.

California Health Insurance

At Freeway Insurance, our bilingual agents can help you navigate through the confusing maze of health plans and find the right coverage for you. Give us a call today at 877-423-1508 to find out more.

It’s no secret that the costs of healthcare continue to go up. Worrying about how you will pay for it if you or one of your family members gets sick or injured can be stressful. Health insurance not only helps to pay for your medical bills, but there are also numerous good reasons to choose health coverage for yourself and your family. Here are just a few of the reasons you should seriously consider getting on an affordable plan:

The Health Marketplace is an online center where people and families can find coverage. The Marketplace is a result of the ACA, otherwise known as Obamacare, which was signed into law by President Obama in 2010. Some states have their own marketplace health centers, while other states direct their residents to the federal government site, healthcare.gov. In California, residents apply through Covered California, the state’s ACA marketplace.

The marketplace consists of plans from many different insurance companies and is divided into 4 tiers (Bronze, Silver, Gold and Platinum) based on cost and coverage. Additionally, insurers in the marketplace may not consider pre-existing conditions when issuing health coverage.

Open Enrollment and Special Enrollment

The marketplace has Open Enrollment each year when anyone can apply for a health plan through the ACA — and in California, this process takes place through Covered California. Outside that period, people with a qualifying life event may be able to enroll during Special Enrollment.

Freeway Insurance has bilingual agents who can walk you through the steps it takes to apply, pick a plan and enroll. This service is free.

Yes. You can find different types of health plans, including HMO, PPO, POS, Medicare and more. These plans are based on variables specific to different groups of people and offer different options to meet healthcare needs. If you need help deciding what type of health plan works best for you, ask your Freeway agent for recommendations.

California residents comparing public health programs may want to understand the difference between Medi-Cal and Medicaid before choosing coverage.

Most people can. Californians can compare plans and apply for financial help directly through Covered California. If you don’t have coverage through your job, explore your Marketplace options — you may qualify for a federal subsidy or even free health insurance. Our bilingual agents can check your eligibility and guide you through the process at no cost. One in five Californians qualify for free coverage. Call us at 866-951-0476 to find out for free if you are eligible.

When the Affordable Care Act (ACA) was passed into law, there was a penalty assessed by the federal government to those who chose not to get qualifying healthcare coverage.

There is no penalty any longer on the federal level for not having coverage. A handful of states still enforce a health mandate, including California and New Jersey. The penalty for not having a plan that qualifies as minimum essential coverage will result in a fee – typically a tax penalty.

Besides California and New Jersey, the other states that still have a health mandate are Massachusetts, Vermont, Rhode Island and the District of Columbia.

At Freeway Insurance, our skilled and bilingual agents can walk you through finding affordable health insurance for you and your family so you can have peace of mind.

Many people are unprepared for a sudden accident, critical illness or a cancer diagnosis. While we cannot always be prepared for life’s curveballs, we can find ways to lessen the impact. At Freeway, we partner with Aflac to offer affordable plans for accidents, critical illness and cancer. These plans are designed to pay participants cash directly to help offset the many costs associated with sudden, life-altering events.

If you don’t have health insurance, a cheap plan from Aflac can help you pay for a hospital stay, medical care and other bills that may come up if you are out of work. If you do have health insurance, you can use these options to help pay for your deductible, as well as costs not covered by your regular coverage.

When you’ve been hit by the unexpected, you need to focus on getting better – not worry about where the money is going to come from to keep you and your family afloat.

When you have health coverage, you’re more likely to get routine checkups and preventive care, which helps you stay healthy and saves money on medical costs in the long run. Without it, a short hospital stay could be costly if you become sick or injured, and you could be responsible for the entire bill.

A health plan can help protect your finances if you have a major medical incident. Serious diseases or accidents often require surgeries, treatments, and medications that can result in hundreds of thousands of dollars in medical expenses. Don’t get stuck without protection the next time you need medical care. Let Freeway Insurance help you find an affordable health plan.

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