Medical Insurance Quotes California

Get Covered CA quotes instantly online and see if you qualify for government assistance to lower your rates. Up front tax subsidies have made health insurance pricing more affordable than ever. To get your free quote, you will need to fill out a simple form, which takes less than two minutes to complete. You will enter your zip code, date of births and gender for each person in your household and your estimated annual income. You can get California health insurance quotes for just one individual or for the whole family at one time. 

What Determines My Rates

Covered California health insurance rates are based on your age, where you live, and what health plan you choose. For individual and family Obamacare quotes, even bigger factors are your household income and your family size. These determine your eligibility for tax subsidies, which help reduce your rates, as well as the cost for medical services. If your income falls below 400% of the Federal Poverty Level (“FPL”), you may qualify for tax credits when you enroll through the California Marketplace. And if your income is below 250% of the federal poverty level, you may also qualify for better benefits at the same price, offered through Cost Sharing Reduction (CSR) plans.

How to Get the Most Affordable Rates : Go Bronze or Go Catastrophic!

The most affordable Covered California health insurance quotes will be for “Bronze” and catastrophic plans. The Obamacare bronze plans will be a good consideration for people who don’t require frequent services; they will offer the highest deductible but also the most economical rates.

Your Covered CA medical insurance quote may include catastrophic, minimum essential coverage plans. These particular marketplace plans offer the cheapest coverage. These plans are available only to those who are under 30 years of age and to people who are unable to afford insurance due to a financial hardship.

Medical Insurance Quotes California with Government Subsidies

People whose family gross income is no more than 400% of the Federal Poverty Level (“FPL”) may qualify for tax credits from the government, and some may also qualify for lower service charges for office visits and other medical services. You can view Obamacare California rates and calculate your subsidy at the same time by getting an Covered Ca quote.

Will my business qualify for a tax credit?

Since the implementation of the Affordable Care Act, groups of 24 or fewer employees may qualify for a small business tax credit. This government assistance may enable your company to get a discount of up to 50% (35% for non-profits) off of the pricing you see on your Covered California quotes for small business. To be eligible for the Small Business Tax Credit, the company’s employees must earn an annual average wage of less than $50,000 and the employer must pay at least half of the employee-only premium. Enrollment must be done through the state exchange to get Covered California rates and to be eligible for this discount. Click Small Business Health Care Tax Credit for a step-by-step guide to see if your company qualifies.