California Health Insurance Regulations

California has a lot of health insurance regulations - which is good, since it means you get more protection - but it also means more time sorting through them all.

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California health insurance policy provision

California health insurance policies must include:

  • "guaranteed renewable" provision
  • limited "pre-existing condition" provision
  • newborns and adopted children are automatically covered for 31 days

California health insurance regulations

Colorado health insurance companies are allowed to do the following:

  • deny health insurance on the basis of health
  • charge more on the basis of health

However, they can not:

  • terminate your existing health insurance policy on the grounds of illness.

California health insurance: temporary policies

California temporary health insurance for breaks in between coverage are called "conversion plans". You can also purchase a short term health insurance policy.

Other CA health insurance info

If you want more help, read our guide to health insurance.

Or check out our guide to California small business health insurance.


To find out more about CA health insurance, visit the official website of the California Department of Insurance.

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