Why Does Health Insurance Cost So Much In California? 
Health Insurance , like all forms of insurance , is based on a number of calculations that associated the benefit received with risk taken by the insurer . When you look at a state like California there are many variable factors that go into pricing an insurance product ; age of the insured , current health status , smoker or non smoker , current profession , current address , who will be covered under the policy , etc. . California has one of the highest cost of living indexes around so as that is factored into pricing an insurance product , it affects the bottom line . To help ease the cost of health insurance here you can look at things like -LRB- 1 -RRB- raising your deductible -LRB- 2 -RRB- lowering the amount of co payment you want insurance to cover and -LRB- 3 -RRB- reducing the amount of benefits associated with your policy . 