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California’s Health Insurance Laws

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Thomas HenryAs prices of medical treatment, medicines and therapies are forever and usual very high. As with the busy schedules and culture the person feel stress in the life. Improper lifestyles, environmental conditions lack of exercise, stress and genetic disorders and some other factors that make sickness and physical disorder. Many of them may think that medical insurance companies are only to make money for themselves. But most of them don’t know that the advantages of a good medical policy. The Health insurance law varies from state to state and is mainly to regulate the practices of the insurance provider of each state. One of the best and excellent insurance policy organizations is California Health Insurance Policies Company, they provide very strict rules. And it is you that has to decide because health insurance in every ones life is important.

There are many healthy insurance acts that make it compulsory for employers to provide insurance to their employees, if there are more than a particular number of workers. But some employees don’t accept these plans rather then go in for COBRA plan (Consolidated Omnibus Budget Reconciliation Act) to get benefits for the people who loose their plans. This plan is costlier than the group health insurance plan, but much cheaper than the individual health insurance plan, this plan also covers retirees. The COBRA plan was passed by the Congress.

In California there is considerable amount of increasing in the number of uninsured people because of the great immigration flow into the state. To get rid of it California Health Insurance Act was passed in 2003 to provide the health insurance to the most of the employees and also for their family members.

From 2003 to 2005 there was a rapid growth in the health insurance and in 2005 they provided the people in the state with cheap health insurance coverage, California Health Insurance Reliability Act, (CHIRA) were passed. This helps the people who are with lower-income. The Health Insurance Portability and Accountability Act (HIPAA) were passed by California State in 1996 to see that in case to termination or charge of job, the employees and for their families insurance coverage still remains intact.

All the important information regarding health insurance laws of California are provided to the common people by the State Health Department of California.

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