One never knows that he can suffer from any of the health problems or meet with an accident at any stage of his life where he will need quality and sufficient medical insurance. If he is facing any of those problems then he needs to pay more for buying health insurance in California. But he can pay less if he is healthy, does not have any health disease and he take care of his health because he is less of a risk to the insurance company. The conclusion comes out from this is that you need to be physically fit, take only healthy meal and; stop smoking and drinking alcohol. Buying Health Insurance in California Requires You to Think Again Every California residents should know that they can pay according to their budget because they have to pay some portion of some medical services their own. Buying health insurance in California requires a deductible or copayment of some kind like, you can pay $40 for a trip to the emergency room or $15 to reach your general practitioner for the sniffles. Here, deductible is the charge of medical expenses you pay your own before your policy starts. Let’s suppose, if your deductible charge is $625 per annum, you will need to pay for your first $625 in medical bills before your medical insurance company initiates paying. Do Some Important Things and Plans before Buying Health Insurance in California Every California residents need to focus on some important things when they are going to buy medical insurance product: inpatient hospital services, outpatient surgery, rehabilitation care, prescription drugs, office visits, medical testing, physical therapy and mental health care. Identify Your Health Insurance motive firstYour medical insurance motive should be to safeguard your life financially in the event of serious catastrophes. The most preferable way to save health insurance premium is to live a healthy lifestyle. You can also choose any other option to save penny every month is to pay more deductibles and pay less money on your own. Ask your queries to your health insurance company and clear your confusion What will be your annually or monthly premium? What will be the charges you have to pay your own before your medical insurance company starts paying? Does your plan cover any pre-existing medical conditions? Does your plan include maternity prices? Is this easy to change primary medical care company whenever you want to? Are the medical care facilities you use and the health providers involved in the health insurance company's network?In this way, you can buy cheap insurance easily if you know where to buy and what queries to ask.