California Insurance Exchange Gets Even More Options

There have been health insurance exchanges in California for decades, something that much of the country is just starting to understand now.  Since 1996, CaliforniaChoice has been operating a private health insurance exchange in California.  They are the most successful small group private insurance exchange, serving 150,000 individuals and more than 10,000 employers in the state.  This information comes from CaliforniaChoice’s press release “CaliforniaChoice Welcomes Covered California Into the Health Insurance Exchanges Market.”  In addition to their other members, Covered California has now joined this private health insurance exchange.  This is good news for California residents looking for health insurance because more competition, be it in private or public health insurance exchanges, benefits the general public.

CaliforniaChoice has many things to offer in addition to health insurance.  They provide dental, vision, life insurance, and chiropractic care options.  For no cost, they also give added value in the form of employee discounts and online human resources support.  Some of the providers in CaliforniaChoice’s exchange include Health Net, Aetna, Kaiser Permanante, Anthem Blue Cross, Sharp Health Plan, and Western Health Advantage.  Covered California includes options from some of these insurers as well as others.  They also just announced last week the carriers that are going to be part of their new Small Business Health Options Program (SHOP) marketplace.

The success of both public and private health insurance exchanges lies in a combination of great choices for consumers and excellent customer service availability.  In addition to that, qualified brokers are the cornerstone of CaliforniaChoice for their expertise and unbiased information.  Their plans are only sold through brokers.  Small businesses aren’t currently penalized for not offering health insurance or forced to join Covered California’s SHOP program, but rules are changing for some employers when the full Affordable Care Act takes effect.  But as attention to health insurance and exchanges in particular increases across the United States, CaliforniaChoice hopes that more employers will realize that they can offer affordable health insurance to their employees and increase quality of life.

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