For the millions of Californians without access to employment-based coverage, buying health insurance on their own in the individual market is a daunting, confusing, and often expensive experience. Consumers want affordable health plans with adequate protection in case they get sick. However, given the number of products in the individual market, which vary based on what services they cover and the costs to consumers, it is nearly impossible to adequately compare insurance plans. AB 786 (Jones) would set standards and categorize plans in the individual health insurance market so that consumers can determine a plan’s value and more easily comparison shop.