Individual and Family insurance
Our goal is to guide you to the best possible plan offered through Covered California. With “The Mandate”, the Affordable Healthcare Act wants Americans to know that healthcare is important, and that health insurance is essential. But, there is a lot of information to go through and it is our job to do the hard work for you, at no charge to you! We are experts in the coverage levels and essential health benefits available to you and will work with you to find the best possible plan to suit your needs. And, now that there is a tax penalty applied to people without health insurance, there is no better time to let us help you find health coverage.
What is Open Enrollment?
Individuals can join a health plan through Covered California during “Open Enrollment”. Open Enrollment 2016 begins on November 5, 2015 and ends on January 31, 2016. But, once open enrollment has ended, consumers can enroll in a Covered California health insurance plan only if they have experienced a qualifying life event. Consumers can enroll in Medi-Cal at any time. Contact us today to discuss whether you have a qualifying life event that can gain you access to Covered California’s health plans outside of the normal enrollment period, some of which include:
- You lost or will soon lose your health insurance
- You permanently moved to/within California
- You had a baby or adopted a child
- You got married or entered into domestic partnership
- You returned from active duty military service
- You gained citizenship/lawful presence
- You are a federally Recognized American Indian/Alaska Native
- You may be eligible for Medi-Cal
The Law: The Affordable Care Act
As of 2014, all American citizens and legal residents are required by law to have health insurance, unless they are exempt, and failure to do this will result in a penalty. This is called often called “The Mandate”, and all Covered California health insurance plans meet the benefit requirements set out by it. You are not limited to Covered California plans, however, and others outside of the California Health Insurance Exchange will meet the requirements of “The Mandate”
What are my Options?
Health insurance plans
Covered California offer standardized health benefits at four defined levels of coverage:
Employers can choose one or two plan levels of coverage to offer employees and define the amount they will contribute towards employees’ premium. The new option to select two coverage levels, called “Dual Tier Choice,” allows employers to select two adjoining metallic tiers — Bronze & Silver, Silver & Gold, or Gold & Platinum — instead of just one.
Each employee may then choose a health insurance plans from within the employer’s defined level(s) of coverage. Defined coverage levels make it easy to compare health plans. Premiums and out-of-pocket costs are directly affiliated with the level of coverage selected.