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
|Estimated Monthly Premium*||Doctors Included
|Shop For Health Insurance|
|Anthem||Anthem Bronze 60 Health Savings Account PPO||$286||Visit Anthem to locate in-network doctors>>||for 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>>||for 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>>||for 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:
- 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.
- 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.
- 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.