Individual Health Insurance California

So you want to know how to get the best plans for individual health insurance in California but not sure where to start or what to look for.
Actually the first place to start buying plans individual health insurance in California is to determine what fits your needs the best, is a PPO (preferred provider organization) an HMO (Health Maintenance Organization) or HSA (account Health savings).
Plans for different individual health insurance in California and explanations
A PPO is a group of doctors who have agreed to a specific reimbursement rate for each service they provide. So every doctor has agreed to a $ 120 for a regular visit (for example). The insurance will cover any of this a certain percentage, usually 80% to a participating provider, or some equally cover the entire subject matter of a copy, say $ 20. The advantage of a PPO is that you can go to any doctor in the PPO and get this same rate. You do not need a PCP (primary care physician) and there is no "references" required by the insurance company in order to be covered visit. The disadvantage is that the PPO coverage is generally more expensive than any other option.
An HMO is a group of doctors who have agreed to a specific reimbursement rate for services provided to each patient. Thus, for example, be a PCP (primary care physician) that physician pay a certain amount per month to care for their patients instead of being paid for what they do for the patient. Cover all HMO plans pay the full cost of your care to back between $ 5 and $ 100 depending on the service. The advantage of an HMO is that the coverage is the least expensive of all options. The disadvantage is that you must see your PCP and get a referral to a specialist if your PCP determines that it is necessary.
An HSA is really a savings plan coupled with a PPO. You have a high deductible (at least $ 1,150 in California) to be met before the plan begins to pay benefits, but you can take the tax money from your paycheck and you have some control over how their money is inverted and used. The biggest advantage of an HSA is that you will get the cheap or HMO with the flexibility of a PPO. The downside is that you have to satisfy that high deductible before the plan begins paying benefits.