How the system works
There is no universal social security: everything goes through private insurance, almost always the employer's. California adds a coverage mandate and public coverage for children of low-income families.
Good to know
- Since 2020, every California resident must be insured, along with their spouse and children, every month of the year, or pay a penalty on the state tax return; the employer's plan, taken out on hiring, meets this requirement. Source
- The premium is only part of the cost: add the annual deductible, a copay at each visit and an annual out-of-pocket maximum. HMO plans require a primary doctor and a closed network; PPOs let you see a specialist directly, at higher cost out of network. Source
- Children under 19 can get Medi-Cal, California's public insurance, regardless of immigration status, if they meet the household income criteria. Source
- The French State covers no medical costs abroad, neither hospitalisation nor repatriation; the Caisse des Français de l'étranger (CFE) offers voluntary membership that can be combined with local insurance. Source
- For non-life-threatening issues (fever, ear infection, small cut), urgent care clinics see you without an appointment in the evening and at weekends, for far less than a hospital emergency visit.
Addresses
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Covered California
California's public health insurance marketplace, useful if the employer does not cover the family or between two jobs.