California health insurance policies can be somewhat expensive, but health insurance is a necessary purchase to avoid serious financial consequences. California residents should be sure to understand their rights under state law before shopping for insurance, as this can make it easier to find a good policy. Every major U.S. health insurance company offers coverage to residents of the state of California, and by looking for insurance quotes and learning about insurance law, buyers can get a better idea of what these companies can offer.

State law is extremely important, as many health insurance regulations are handled on the state level. California residents with preexisting conditions may be denied coverage under California health insurance law, although the federal Affordable Care Act has seriously limited health insurance companies' rights in this regard. The state has a high-risk pool program, so buyers with preexisting conditions can get health insurance coverage with assistance from the state in order to find affordable rates. California health insurance companies cannot suddenly cancel a policy due to a policy holder's health–they must have another valid reason for cancelling an insurance policy under state law, and once again, federal law also provides guidelines in this area. Health insurance companies are usually only able to cancel policies if they can prove that a policy holder lied on his or her application. Insurance providers must also offer one month of health insurance coverage to newborns and adopted children, although parents have to contact their insurance providers to keep this insurance coverage for their children.

California doesn't have a requirement for health insurance, and its state insurance assistance programs are generally on par with those of other states. Health insurance companies may charge slightly more for health insurance policies in California on average, however, as some statistics indicate that California policy holders are more likely than average to present a hefty insurance claim. For instance, California has the second-highest number of smokers than any other state in the U.S. To get better rates, policy buyers can stay as healthy as possible, avoid high-risk activities and careers, and stop smoking to stay out of high-risk groups. The aforementioned high-risk pool programs can also be extremely helpful for residents with high risks but no preexisting conditions.

Looking at insurance quotes is the best way to find great health insurance for California residents. Insurance companies aren't allowed to offer discounts, but they figure the costs of their policies in very different ways. By comparing rates and by understanding their rights, residents of the state of California can find great health insurance policies that keep them well protected, even if they have preexisting conditions or other complex health insurance issues.