Blame it on the steady flow of people who don't want to pay Bay Area expenses.
Or maybe it's that little thing called State capitol of a State the size of a large country.
Either way, Sacramento is definitely on the rise.
Lots of individuals and companies moving here or moving up in Sacramento.
Eventually, the question of health insurance comes up.
Where to start on that question?
It's your total guide to comparing Sacramento health insurance carriers, plans, and rates.
There's no cost for our assistance
We have helped 1000's of individuals, families, and companies find the best coverage.
We focus on the greater Sacramento area including Roseville, Rocklin, and surrounding cities.
We're plain spoken, not pushy, and helpful.
Let's get started.
First determine which market segment fits your needs:
Individual and Family - under age 65
Small business - 1-100 employees; Large business 100+ employees
Senior - Medicare eligible; 65+ age and permanently disabled
Covered Ca is in the individual/family segment.
Now you can jump to the right area.
If you want to jump right a specific topic, feel free here by market segment:
The market segment piece is really important.
Make sure you pick the right one!
Each has its own rules, rates, and options in Sacramento.
Let's get started.
We'll start with Individual and Family health reviews in Sacramento
The Sacramento area market for individuals and family without Medicare is dominated by Covered California.
This is because of the tax credit!
We can help you figure out that piece based on:
We're happy to help with this calculation - our assistance as Certified Covered California Sacramento agents is free to you!
Let's get on to the comparison and review.
We'll break down each section based on our interaction with the Sacramento carriers and plans.
Let's start with carriers in the county.
Kaiser has a huge footprint on the individual family market in Sacramento.
Take a look at Covered Ca's 2017 enrollment breakdown:
61% is Kaiser in the greater county area.
Anthem pulled out of the area and Blue Shield ate up a great deal of their marketshare in 2018.
Western Health Advantage was hit hard by their lost of UC Davis and Health Net hasn't made much ground in 2018.
That's always been the case but has accelerated over the past 1-2 years.
Since the plans are standardized, it really comes down to whether you want to be Kaiser's network our use private doctors/hospitals like Sutter.
In Sacramento county, it's driven by networks:
Those are the dominant health care providers (not insurers) so most individual families will pick their insurance plan to match their provider of choice.
Of course the rates change as well.
Tax credits may be available through the “on-exchange” quote tab.
Let's look at the individual/family plans in Sacramento.
What about the plans available?
First some key notes for individuals and family plans in Sacramento:
There are 4 basic levels:
If you're income falls in the right range, there may be richer versions of the Silver plan on-exchange:
The rates are the same for the silver plans...just the benefits change for people in Sacramento.
Similarly, a large percentage qualify for the Enhanced Silver plans mentioned above:
If you qualify for the Silver 87 or 94, that's really hard to beat.
And a big tax credit!
The second most popular plan is the Bronze plan.
The bronze is generally the lowest price option that allows more catastrophic coverage.
Gold and Platinum make up a very small percentage of the market due to their high costs in Sacramento.
Also, the richer Silver plans negate needing to go richer in benefits if you qualify.
Make sure to enter your household size and income estimate for this year.
Call us at 866-486-6551 or by email with any questions.
There's no cost for assistance comparing the different health plans available in greater Sacramento.
How do the rates compare for these plans?
This is why Covered Ca dominates the area for individual family.
Here is the tally for recent rate increases:
There are two ways to compare and review health plan rates:
Let's look at the carrier first.
Generally speaking, the rates at a given plan level (Silver for example) from lowest to highest:
There are quotes for individuals that differ from this.
It's important to run your Sacramento individual health quote here:
What about plan type?
Of course, the rates generally follow the benefit levels lowest to highest:
There can be situations where the Silver is actually higher than the Gold due to a quirk in the rating resulting from changes in Washington.
Meaning...a silver with Kaiser might be priced similarly than a Bronze from Blue Shield PPO.
You have to then weight the carrier trade-off versus very different benefit differences.
It can get tricky but we're happy to help with any questions at 866-486-6551 or by email.
Our assistance is 100% free to you.
Check your Sacramento family health rates here.
The Sacramento area has a robust and competitive group health market for employers.
We'll discuss the carrier situation below.
This market is where we really shine as Sacramento health brokers.
We know all the players and options available.
We can quickly size up your situation and find the best rates available.
It's what we do daily...for the last 15 years+!
The Employer market is governed by the ACA health care law (Obamacare).
This has many different effects:
Those are some of the big changes.
The standardized plan benefits really changed the market in Sacramento quite a bit.
There are also some general rules we have in California that affect group health:
There are special offers from carriers all the time to relax these requirements.
We're happy to help you navigate the qualification for group health benefits.
There's no cost for assistance (ZERO) as licensed Sacramento group health brokers.
You can request your group health quote here:
Let's get right into what drives the rates and options in the greater Sacramento area:
Group health carriers!
In Sacramento, we have the full range of group health carriers to choose from.
Here's the list of major carriers:
These carriers make up the vast majority of the market for employer benefits.
They are the dominant force in the area.
But what about employees that want to continue with their doctors and hospitals outside of Kaiser?
Not a problem!
We can just create a Kaiser wrap.
In fact, we do this all the time in the area.
You can even stipulate that the company contribution is based on one of Kaiser's plans.
For example, you can state you will pay 50% towards the employee cost for the Kaiser silver plan.
The employees can then pick from any of the Kaiser plans or the alternate carrier (for example, United).
This way, the employer can determine their monthly budget and the carrier can choose according to their healthcare needs.
It's by far the most popular way to offer employee health benefits!
How do we pick the other carriers alongside Kaiser?
That's where we come in.
We then find the best priced for the largest network .
The plans are standardized in Sacramento so a Silver plan has to walk and talk like another SIlver plan by +/- 2%.
This makes it really easy!
If United is much cheaper.
We can then create worksheets for your Sacramento company to show Kaiser plans next to the alternative carrier by employee.
It will show their rate based on plan choice (after company contribution).
Of course, we're happy to walk through the details on setting this up and how to compare the different plan levels.
The goal is to find the best benefits available to your employees for the lowest cost.
We are licensed Sacramento group health brokers with all major carriers.
We have no preference other than to find you the best value.
If you want to investigate the Kaiser wrap, let us know.
One note on providers.
The group health market still have the robust PPO and HMO networks from before the ACA law.
If you have a preference there, please let us know when we run the quote.
Let's look at the actual plans.
A few important notes for employers.
The plan benefits are standardized as we mentioned above.
Even with another carriers!
If the copays are better, the deductible will be worse.
It's a series of trade offs.
Some general benchmarks for the different benefit levels:
Some key points for Sacramento companies:
There's a lot to digest for most companies.
In 5 minutes, we can quickly size up a good offering based on:
We're here to help
What about rates in the Sacramento area for employer based health plans?
Here's a general guide to price competitiveness from best priced down:
Keep in mind that this can differ depending on age and family makeup for your employees.
It's best to have us run a quote a given plan level (Silver for example) across all carriers.
The two main requirements for group health tax credits are:
If you might meet those criteria, let us know and we'll quote Covered California employer health options as well.
Run your Sacramento business health quote here:
Feel free to call us at 866-486-6551 or email with any questions at all!
We have helped 1000's of Sacramento companies find affordable group health benefits.
Sacramento has many different options to individuals with Medicare.
The Advantage plan market has exploded in this area due to the affordable monthly cost.
Medicare options are generally for:
If you have Medicare part A and B, we can generally enroll in a supplement or Advantage plan.
The carriers are very aggressive on both fronts.
It's important to first understand the differences between Advantage plans and Medicare Supplements.
We're happy to walk through how they work.
You can quote both in the Sacramento area here:
To some extent, this question is addressed for most people based on the carrier of choice.
Let's touch base on that first.
Many seniors in the greater Sacramento area are members with Kaiser.
If you want to stay with Kaiser via Medicare, we're looking at an Advantage plan.
If you want to keep seeing doctors and hospitals outside of Kaiser, we would investigate supplements and advantage plans from other carriers.
Advantage plans are HMO's and therefore have a network of Sacramento doctors and hospitals that you must use to get benefits.
When you run your quote below, you can bring up the provider network for any given Advantage plan.
Again, you won't need to do this for supplements.
Just make your doctor or hospital takes Medicare.
The Supplement plans are standardized which means that an F plan has to have the same benefits as another F plan with a different carrier.
This makes it easier to compare.
So which plan is popular with supplements for Sacramento seniors?
As we mentioned above, the F plan has been very popular.
It's hard to beat in the Sacramento area for Medicare supplements.
Otherwise, the rates really depend on age and carrier.
Advantage plan pricing is all over the place.
For those plans, it's best to run the instant quote and compare!
There's ZERO cost for our assistance.
Feel free to run any questions by us at 866-486-6551 or by email.
How can we help?
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We will run quotes across the entire Sacramento market to find the best health insurance value for you866-486-6551
This web site is owned and maintained by RiverRock Insurance Services which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to RiverRock Insurance Services, and cannot be used to contact Covered California.