Affordable Health Insurance for California Consumers
With approximately 39 millions people, California ranks as the most populous state in the United States. Keeping a diverse group of people healthy with affordable health care options has been California's ongoing challenge. That is why the Marketplace for private and small group medical insurance in California plays a significant role in maintaining happy, healthy individuals.
The California Health Exchange
Under the Affordable Care Act (ACA), Obama Care California brought a new solution of affordable California medical insurance to the golden state through the state-based exchange, Covered CA. Through the Covered California website, qualified individuals and families can sign up and receive subsidies through the form and up-front tax credit to help them pay for their medical coverage. This enables thousands of qualified Californians to obtain inexpensive, if not the cheapest health plan available from some of the best insurance companies in the state.
Purchasing California health insurance through the State Exchange is like going to an online shopping mall. State approved Obama Care California health plans include carriers such as Blue Shield of California, Anthem Blue Cross, Kaise Permanente and others. Benefit packages include Bronze, Silver, Gold and Platinum levels of coverage that can be viewed in an apples-to-apples comparison. Premiums range from cheap to more expensive depending on the level of coverage desired.
The Covered Californa Website
The Covered CA website allows you to view Covered California income limits, get quotes, shop plans and submit an application online all from the convenience of your own home. If you need additional assistance regarding affordable health insurance for California, contact a certified agent by calling this toll free phone number: 1-877-752-4737. Or, visit a local coverage CA Storefront. These services are all offered free of cost.
Through the dedicated efforts of many California health insurance agents, navigators and assisters, our state experienced a drop in the number of those uninsured. From 2013 to 2014 the number of uninsured went from 15% to 10% (Kaiser Family Foundation State Health Facts for California). These are still more people to reach, but as these numbers prove, consumers are hearing Obama Care California's message that..."It isn't just health care, it's life care."
Finding Affordable Health Insurance in California
The state of California offers a wide variety of affordable health care insurance options, from plans that give you and your family long-term coverage to short-term plans that protect you from gaps in between insurance plans. You can rest assured you’ll find exactly the plan you need.
Who Requires Coverage?
When Obamacare was passed in 2010, it required all U.S. citizens and permanent residents to have health insurance that meets the minimum essential requirements. Everyone must be enrolled in a health plan all year ‘round. If you go without health coverage, you will pay a tax penalty.
Where Can I Enroll in a Health Plan?
Health for California gives you quick and instant access to quotes for Obamacare individual, family and business plans. Our process is fast, easy and free. Simply tell us a few things about yourself, and we’ll give you the best quotes from multiple providers in your area.
When Can I Enroll?
Enrollment is open now! We are in the Special Enrollment Period, and Covered California has opened up enrollment for everyone through to the end of the year. Renewals for existing coverage begin in the fall of 2021. Open Enrollment for 2022 will be from November 1, 2021 through January 31, 2022. Normally at this time of the year, to apply you would need a qualifying life event (such as losing a job, having a baby, moving to California, etc.). However, due to President Biden's American Rescue Plan, Covid-19 and other changes at the California State Exchange, enrollment has been opened up for all until the end of the year and through Open Enrollment 2022, which goes until January 31, 2022.
What Is Available?
You can find the following types of plans:
- Individual and Family Healthcare Plans: Since the passing of the Affordable Care Act, all health insurers are required to meet minimum essential requirements with their healthcare plans. This means they must provide coverage for things such as hospital stays, emergency care, preventative and wellness care, and prescription drugs. These plans are ACA compliant and offer high-quality, affordable coverage to everyone, regardless of pre-existing medical conditions.
- Short-Term Plans: Short-term health plans offer medical coverage for a short period. They vary in length and are an excellent option for people looking to fill healthcare insurance gaps, people who want to cover special events and those who missed the open enrollment period. These plans are not ACA compliant and won’t protect you from huge medical bills or tax penalties.
- Medicare: Medicare is granted to qualifying individuals over the age of 65 who suffer from chronic illnesses or disabilities.
- Medicaid: Medi-Cal is offered to individuals and families with low household incomes.
Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.
Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.
Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.
Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.