Health Insurance Tips

WE CAN HELP — Our health care policy experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.

Get The Best Deal On Health Insurance

Looking for health coverage? Covered California, the new health insurance marketplace, could save you time and money. Use our tips to make the most of this new tool.

1. Check out new options at Covered California. The plans include coverage for doctor visits, hospitalizations, preventive care, maternity care, emergency room care, prescriptions and more.
Online: CoveredCA.com
Toll-free: (800) 300-1506

2. Find out about financial help that’s available. At Covered California, you can find out if you qualify for financial assistance to lower your costs.

3. Use Covered California to compare plans side-by-side. The new marketplace lists your options on one website, and shows what each plan covers.

4. Take advantage of expert help to compare plans in-person, online or by phone. Specially trained people are available in communities across the state to help you apply and understand your options. Find them at CoveredCA.com.

5. Don’t take no for an answer. For coverage starting January 2014, insurance companies can no longer deny you due to a pre-existing condition.

6. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us.

Health Care Consumer Protections

If you have coverage, you already have protections under the health care law, such as:

  • Children and young adults can stay on their parents’ plan until age 26
  • Free preventive care, including check-ups and vaccinations
  • Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
  • Rebates if your insurance company spends less than 80% of premiums on care

 Plus, more consumer protections start in 2014, including:

  • Insurers can’t deny anyone coverage for having a “pre-existing condition”
  • No more annual caps on what your insurer will pay if you get sick
  • Insurance companies can’t charge women more than men for coverage

See more information about the health care law, the Affordable Care Act

Issue updates

News Release | CALPIRG | Public Health

Consumers Urge Trader Joe’s to Stop Selling Meat Raised on Antibiotics

Consumers Union and USPIRG deliver thousands of new petition signatures from consumers to Trader Joe’s corporate headquarters in Monrovia calling on the grocer to be an industry leader and end its sale of meat and poultry raised on antibiotics.

> Keep Reading
Report | CALPIRG Education Fund | Health Care

Comments on the Anthem Blue Cross Proposal to Raise Health Insurance Rates

Anthem Blue Cross has proposed rate increases as high as 24.9% for policyholders in their “grandfathered” health insurance plans that were established before the Affordable Care Act was signed into law. The rate changes average out to a 16 percent increase for 153,000 policyholders, impacting a total of 238,000 Californians currently covered under the plans. Our review found that Anthem failed to provide adequate justification for this rate increase.

> Keep Reading
Media Hit | Health Care

Anthem to raise some premiums as much as 25%

Los Angeles Times: "We are very concerned Anthem proposed a rate hike this high without adequate justification," said Emily Rusch, CALPIRG's director.

> Keep Reading
Media Hit | Public Health

Take Steps to Prevent Chemical Spills

CALPIRG's Legislative Advocate, Garo Manjikian, responds to the Chemical Security Accident in West Virginia in this published letter to the editor in the Sacramento Bee. 

> Keep Reading
News Release | CALPIRG | Public Health

Los Angeles a Hot Zone for Chemical Risks

Los Angeles, CA - CALPIRG and other community leaders pushed the Obama administration to take bold strides to reduce the danger posed to communities by high-risk chemical facilities surrounding Los Angeles during a public listening session at UCLA.  The listening session is part of an Executive Order from President Obama issued in response to accidents like the tragedy in West, TX tragedy that killed 14 people and razed nearby schools and homes, and the 2012 explosion at the Richmond, CA Chevron refinery that sent 15,000 people to the hospital.

> Keep Reading

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Media Hit | Health Care

Insurance Commissioner Must Respond to Rate Hikes

 Without strong implementation of new health care laws, the cost of health care will continue to grow faster than income and inflation.

> Keep Reading

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News Release | U.S. PIRG

The Centers for Disease Control and Prevention released its new Antibiotic Resistance Threats in the United States report, which estimates at least 35,000 Americans die annually from infections that antibiotics can no longer effectively treat.

News Release | CALPIRG

SACRAMENTO – State regulators announced steps on Wednesday to reduce the risks of lead exposure faced by young children in day care facilities across California. In a public hearing, the State Water Resources Control Board agreed to adopt a goal of reducing lead in centers’ drinking water to no more than 1 part per billion, or ppb. The board’s decision represents the toughest action in the country to date on this issue.

News Release | U.S. PIRG Education Fund

A new analysis of publicly available information from the FDA by U.S. Public Interest Research Group Education Fund finds only 26 percent of a class of recalled blood pressure medications have been assessed for carcinogen contamiantion -- and the majority had some lots with higher levels than the FDA considers safe.

News Release | CALPIRG

Oakland – With school kids “back to school”, and the legislature wrapping up their 2019 session, CALPIRG today released a new free toolkit to help parents, teachers and administrators Get the Lead Out of school drinking water.  With a lack of complete information on lead contamination in schools throughout the state, CALPIRG Education Fund provide this tool to grapple with this serious health threat facing our children.

News Release | CALPIRG Education Fund

Today, July 1, 2019, is the deadline for schools to test their drinking water for lead under a 2017 law authored by Assemblymember Lorena Gonzalez. Unfortunately, more than 1,600 school drinking water fountains tested positive for lead. Additionally, based on the most recent data available, some schools likely missed the deadline for getting their water tested. 

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