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The Best Obamacare Health Insurance Plans in California: Alameda County

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Choosing the best health insurance plan in Alameda County is no small feat. Obamacare has lead to more options on the market for many people, but having more choices also means making more decisions. We’ve compiled the health insurance plans available through Covered California in Alameda County, as well as handy links to the provider directories for each company. Not the location you were looking for? Check out our California health insurance directory.

Do you have experience with these insurance companies? Share your review in the comment section below.

Obamacare Health Insurance Plans in Northern California

 

Health
Insurance Company
Health
Plan
Name
Estimated Monthly Premium* Doctors Included
in Plan
Shop For Health Insurance
Anthem Anthem Bronze 60 Health Savings Account PPO $286 Visit Anthem to locate in-network doctors>> Apply Nowfor Anthem health insurance plans
Anthem Bronze 60 PPO $284
Anthem Multi State Plan Silver 70 PPO $377
Anthem Multi State Plan Gold 80 PPO $461
Anthem Platinum 90 PPO $541
Blue Shield Blue Shield Bronze 60 Health Savings Account EPO $276 Visit Blue Shield to locate in-network doctors>> Apply Nowfor Blue Shield health insurance plans
Blue Shield Bronze 60 EPO $281
Blue Shield Silver 70 EPO $340
Blue Shield Gold 80 EPO $400
Blue Shield Platinum 90 EPO $459
Kaiser Permanente Kaiser Permanente Bronze 60 Health Savings Account HMO $267 Visit Kaiser to locate in-network doctors>> Apply Nowfor Kaiser health insurance plans
Kaiser Permanente Bronze 60 HMO $273
Kaiser Permanente Silver 70 HMO $365
Kaiser Permanente Gold 80 HMO $444
Kaiser Permanente Platinum 90 HMO $474
*Premiums are estimated for a 40-year-old before government subsidies.
Source: Covered California Health Insurance Companies and Plan Rates for 2015 and Shop and Compare Tool.

Here are a few tips for choosing the best health insurance plan:

  1. Check out the provider network. Some companies have narrowed their network for Obamacare plans, meaning that fewer doctors are included for those plans. If you already have a doctor you like, make sure he or she is included in your new plan’s network. If you don’t, you should still check out which doctors in your area will accept your new insurance. Doing so can save you time and money down the road.
  2. Brush up on vocabulary. Health insurance companies use lots of jargon and abbreviations (HMO, preferred provider, network … you get the picture). Learn some basic terms before jumping in, and look up new terms as you come across them.
  3. Plan your costs. Some health costs can’t be planned for in advance, but many can. Take stock of what you plan to spend in the coming year and pick a plan that allows for maximal cost savings. For example, if you plan on seeing many specialists, a plan with a high co-pay for specialist visits wouldn’t be your best bet.

California flag photo courtesy of Shutterstock.