California Health Care

Health sharing plans are a way for people with similar faiths and beliefs to pool their money, helping members cover their medical expenses. These plans differ from insurance in many ways, and membership in these nonprofit groups comes with both advantages and disadvantages.

Learn the basics of health sharing plans, including the types you may encounter, their advantages and disadvantages and when a health share plan may be the right choice for you.

Traditional insurance plans, provided by companies or government programs, offer guaranteed payments under predefined conditions. Health share plans, on the other hand, are healthcare funding co-ops. These programs are typically faith-based, with members who share a common set of practices and beliefs.

Also known as medishare plans or health sharing ministries, health share plans are nonprofits that serve as alternatives or additions to traditional insurance. Members’ monthly contributions create a pool the group can draw from to help cover...

Posted: February 17th, 2022 under Covered California Insurance

Preventive care includes healthcare services and procedures that are intended to prevent illness, injury or disease. The goal here is to catch and treat smaller health conditions before they become serious health risks. The Patient Protection and Affordable Care Act (PPACA) mandates preventive care be free on most healthcare plans to help remove cost barriers and make essential care available to everyone.

Free preventive care means the eligible services aren’t subject to your deductible and there won’t be copays for them. However, there are some exceptions. For example, if your healthcare plan is grandfathered or isn’t regulated by the PPACA, like short-term plans, or if a doctor isn’t in your network, preventive care may not be free.

So what counts as preventive care? The following treatments typically count:

There are extensive lists of preventive care treatments specifically for children, women and adults in general. Over time, these lists are subject to change, and hea...

Posted: January 15th, 2022 under Covered California Insurance

Free health insurance in California will become a reality starting on January 1, 2022. Through the California State Exchange, some consumers (based on income and household size) will be able to purchase plans with a $0 per month premium.

Up to this time, the lowest priced plans through Covered California have been $1 a month. Starting next year, for the first-time, qualified Californians will be able to get health insurance for free.

California legislation AB 133 allows for the State of California to pay the $1 PMPM (per member per month) premium that federal law excludes. This legislation passed in Sacramento on July 15, 2021. It was signed into law by Governor Gavin Newsom twelve days later on July 27, 2021.

Thus, the State of California will be paying the $1 PMPM in 2022 for Covered California enrollees. This new financial assistance will be called the “California Premium Credit”.

Posted: August 20th, 2021 under Covered California Insurance

If you’re self-employed, a considerable financial concern will be finding affordable California self-employed health insurance coverage. Though the cost of health insurance for self-employed workers always seems to be rising, you may be able to deduct 100% of health insurance premiums you pay for yourself, your dependents and your spouse, up to set limits.

Use this guide to help you navigate your options for California health insurance as a self-employed worker or small business owner. We can help you find the affordable health insurance you need to protect your health and the health of your loved ones.

Before you can find the best health insurance plan for you, you need to determine whether you need self-employed health insurance coverage or small business health insurance coverage.

If you are a self-employed worker, you can enroll in high-quality, flexible individual health insurance coverage. You are considered a self-employed individual if you have a business that makes money but...

Posted: August 19th, 2021 under Covered California Insurance

Millions of Americans have been hit hard by the COVID-19 pandemic, physically, emotionally and financially. According to the U.S. Department of the Treasury, over 9.5 million workers lost their jobs during the crisis, and 4 million of the unemployed have been out of work for half a year or longer.

In response to the pandemic, Congress passed the American Rescue Plan, and President Joe Biden recently signed the bill into law. The American Rescue Plan aims to bring temporary relief to individuals and businesses and help them recover from the pandemic’s economic impact. One component of the act focuses on improving access to affordable health insurance.

How does this plan affect your health care as a California resident? Let’s explore the American Rescue Plan and what it means for health insurance coverage in California.

On March 11, 2021, President Joe Biden signed the American Rescue Plan Act of 2021 (ARP). This $1.9 trillion plan provides funding for various programs, businesses...

Posted: May 7th, 2021

An app-based driver is someone who drives for a ride-hailing app like Lyft and Uber or other apps like Postmates, Instacart and DoorDash. Someone who works as a driver for one of these apps either provides pre-arranged transportation services or on-demand delivery services in a personal vehicle. Working as an app-based driver can be a great side gig for someone who wants to use their weekends or a few hours each weekday after their full-time job to earn some extra money.

If you are an Uber driver or Lyft driver or you want to become an app-based driver in California, you should know about CA Proposition 22.

Prop 22 in California was a ballot measure that determined ride-hailing companies should classify workers as independent contractors. The measure allows these companies to adopt the corresponding wage and labor policies. The initiative was voted on during the state election in November 2020.

CA Proposition 22 is an exception to Assembly Bill 5, which states that gig-economy workers m...

Posted: May 7th, 2021

If you are enrolling yourself or your family in Covered California or in Medi-Cal, you no longer have to be concerned about that affecting citizenship or being a “Public Charge.”

The Public Charge ruling, which was of concern during the time of President Trump, has been rescinded by President Biden. This is no longer an issue and will not have any bearing on applications for citizenship.

The United States Citizenship and Immigration Services (USCIS) has stopped applying the 2019 Public Charge regulation to all pending applications and petitions. Purchasing insurance through Covered California and receiving financial help to pay for the insurance does not make an individual a “Public Charge”.

Also, Medi-Cal for adults or children is NO LONGER considered a public charge.

You may enroll through Covered California. You may enroll in Medi-Cal. Or, you may enroll a mixed family where adults are on Covered California and the children are enrolled in Medi-Cal. None of these would be consi...

Posted: April 14th, 2021 under Covered California Insurance

Medicare is the U.S. health insurance program designed to provide coverage to people over the age of 65, as well as individuals with end-stage renal disease and younger people with certain disabilities. One of the key benefits of Medicare is to help to control a person’s health care costs as they get older. As long as a person meets certain requirements, there are no premium payments for certain types of Medicare and the care you receive is often free or low-cost.

Although Medicare can provide coverage for much of your health care needs, it doesn’t cover everything. For that reason, some people decide to purchase supplemental Medicare coverage, also known as a Medigap policy. There are several reasons why Medigap might make sense for you and provide the most comprehensive form of health coverage. Learn more about what’s covered by Medicare and what you can get from purchasing a supplemental Medicare insurance plan in California.

People over age 65 have a few options for getting sup...

Posted: April 8th, 2021 under Covered California Insurance

 

With high deductibles and rising health care costs across the nation, more and more Americans are looking for ways to make their medical care more affordable. One method many Americans are turning to is opening a health savings account, also referred to as an HSA. HSAs are widely considered by financial experts to be one of the best savings options available to consumers.

If you’re considering enrolling in an HSA, you may be wondering — what does an HSA cover? Do I qualify for an HSA? If I meet HSA requirements, how can I open an account? In this guide, we’ll provide answers to all these questions and many more.

A health savings account (HSA) is a savings account used with a high-deductible qualifying health insurance plan. This savings account is appealing to many consumers because money can be drawn from the account tax-free. Thus, consumers can use their pre-tax dollars to pay for their qualifying medical expenses. In California, you can enroll in a high deductible HSA if you...

Posted: April 8th, 2021 under Covered California Insurance

Do you need supplemental insurance? The short answer is yes. Supplemental insurance is used to complement insurance plans that provide basic medical coverage. Supplemental coverage often refers to supplemental dental insurance and supplemental vision insurance. It can also cover expenses that your primary plan doesn’t cover, like coinsurance, copayments or deductibles.

If you have health insurance through your employer, you may think you don’t need to purchase supplemental insurance plans. Most people don’t realize their insurance is lacking until they receive a medical bill and find that a health care service isn’t covered.

Though many medical insurance plans leave much to be desired in the adequacy of their coverage, supplemental health plans like dental insurance and vision insurance can fill the gaps in your current coverage.

Why is having dental coverage important? Maybe you see dental insurance as just another bill to pay, but in truth, dental insurance is worth the small p...

Posted: April 8th, 2021 under Covered California Insurance

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.