An increasing number of our young people are suffering from a multitude of ailments that result from the modern environmental pressures like lack of exercise, lifestyles or stress. The medical profession has also progressed some and is usually able to address most of these resultant disorders. However, for people in the low-income brackets, the steady rise in health insurance expenses means that they are now finding it difficult to get medical help on time.For most people medical health insurance seems to be unaffordable. Health insurance is there to offer succor for the unexpected medical problem. There is a dearth of health insurance service providers in California resulting in a very competitive market.The laws in California require that every person has access to some medical cover. The state provides health insurance programs for people in low-income brackets to afford insurance.Low income individuals in California can use the services of the Medicaid program. The federal government set up this program to permit as many people as possible to be able to some form of insurance cover. The funding for this program comes from the federal and state funds.Individuals get the application forms from an office in the Division of Family services. Some form of documentation is required of each applicant to be able to qualify for the program.The individual and their family have their various health needs catered for. For the individuals whose employees to not cover the rest of the family, the Medicaid program provides a feasible option for them.The MRMIB (California Managed Risk Medical Insurance Board takes pains to provide a quality health insurance that is also affordable. For low-income groups, through their HFP (Healthy Family Program), MRMIB cover for vision, dental and health, at fairly inexpensive rates for children.Another MRMIB program, AIM (Access for Infants and Mothers) provides low cost insurance to pregnant women in low income groups. The infants also get cover under the program.Before picking health insurance service provider, take some time to research the options available that suit your needs and your budget.
Although this data is not 100% accurate, it is probably the most precise info available. Employee group benefit brokers need to know where to find the plans to fit their client needs. It is a well established fact that employers cannot handle the entire burden of providing a grocery list of benefits that their workers would like to have. As a result brokers are working with both the employee and his workforce. The worker is being given options of having additional coverages available with the convenience of premiums taken right from their paycheck. This is a win-win-win situation for the employer, the worker, and the agent.Here you will find the top national insurance companies in this market, along with others marketing in most states. For brokers selling products with only one insurance company, it seems impractical and virtually impossible. I carry around a Swiss army knife, which although useful, often is incapable of performing the job correctly. Therefore, in my experience, I have found most agents selling plans more than occasionally, represent more than one insurance company. Like the Swiss army knife, no one insurance company can serve all situations. According to my records, the average broker involved in frequent sales represents 3 national insurance companies for this employee market.For your convenience, there are two lists prepared alphabetically. The first are the carriers licensed to sell their employee benefit plans in all 50 states. The second listing is of states selling in a minimum of at least 40 states. All should have websites to receive fast additional information. With 100 top national insurance companies listed, maybe it is time to check out a couple more.TOP NATIONAL INSURANCE COMPANIES & Carriers Licensed in all 50 states1. ACI Specialty Benefits2. Advantica Eyecare3. AFLAC4. AIG Employee Benefit Solutions5. Allstate Workplace Division6. American Sentinel Insurance Company7. Ameritas Group8. Assurant Employee Benefits9. Avesis10. BCS Insurance Company11. Beta Health Association, Inc.12. Boston Mutual Life Insurance Company13. CIGNA14. Combined Insurance Worksite Solutions15. CCG- Cost Containment Group16. Davis Vision17. Delta Dental18. Dentali Dental and Vision19. Dental Select20. EyeMed Vision Care21. EZ Meds USA22. GPM Life23. Great American Insurance of NY24. Great American Supplemental Benefits Group of TX25. Guardian Life Insurance Company26. Hartford Life27. HM Insurance Group28. Humana29. Independent Health30. ING Employee Benefits31. Liberty Mutual Group Benefits32. Lincoln Financial Group33. Madison Life Insurance Company34. Magnum Dental & Vision35. Majestic Underwriters36. MedAmerica Insurance Company37. Medico Insurance Company38. MESVision39. Metropolitan Life Insurance Company40. Minnesota Life Insurance Company41. Mutual of Omaha Insurance Company42. Nationwide Financial43. Patriot Health, Inc.44. Petersen International Underwriters45. PPO USA46. Principal Financial Group47. Prudential Company of America48. Reliance Standard Life Insurance Company49. SecureCare Dental50. Security Life Insurance Company of America51. Security Mutual Life Insurance Company of NY52. Spirit Dental Life and Vision53. Standard Insurance Company54. Standard Life Insurance Company of NY55. Sun Life Financial56. Super Vision Services57. Symetra Financial58. Transamerica Affinity Services in MD59. Transamerica Worksite Marketing60. Trustmark Voluntary Benefits Solutions61. UNIFI Companies Retirement Plans62. United American Insurance Company63. United Concordia Companies64. United Health Programs of America65. Unum66. VSP Vision CareTOP MULTI-STATE INSURANCE COMPANIES Licensed in 40 or more states.1. American Fidelity Assurance Company, minus NY2. American Public Life Insurance Company, -NY3. American United Life Insurance Company, -NY4. ArmadaCare, -7 states5. Assurity Life Insurance Company, -NY6. BasicPlus Insurance Services, -10 states7. Block Vision, -9 states8. Brokers National Assurance Company, -6 states9. Colonial Life, -2 states10. Colorado Bankers Life Insurance Company, -2 states11. Companion Life Insurance Company, -4 states12. Conseco Insurance Companies, – 2 states13. Continental American Insurance Company, -NY14. Dominion Dental Services, Inc., -4 states15. EMC National Life Company, – 2 states16. First Dearborn Life Insurance Company, -NY17. HealthPartners, -2 states18. Illinois Mutual, -4 states19. John Hancock, -2 states20. Kansas City Life Group, -2 states21. Minnesota Life Insurance Company, -2 states22. Mutual Trust Financial Group, -2 states23. Ohio National Financial Services, -3 states24. Oxford Life Insurance Company, – 5 states25. Penn Treaty Network America, -7 states26. Renaissance Life and Health Insurance Company, -NY27. Securian Dental Plans, -6 states28. Significa Insurance Group, Inc., -5 states29. Standard Life and Accident Insurance Company, -5 states30. Starmark, -10 states31. Texas Life Insurance Company, -NY32. Transamerica Life Insurance Company, -5 states33. Trustmark Life Insurance Company, -9 states34. Western Reserve Life, -NYOther insurer organizations and insurance companiesThese cover most of the United States. They are American Continental Insurance Company, American Specialty Health Insurance Company, Best Life, Catholic Family Life, Columbian Mutual Life, Continental American Insurance, Eastern Life & Health Insurance Company, Equitable Life & Casualty, Guaranty Income Life Insurance Company, Kemper Investors, Pro Financial Services, and William Penn Association.Shenandoah Life Insurance Company is not listed, as it is undergoing some difficulties. Apologies are in order to any companies catering to this market segment that were missed.