California Health Care
Find latest news, legislation and regulations related to the California health care system. Medical coverage services in the golden state are offered through the following options:
- Covered California: The Health Exchange Marketplace
- Insurance Carriers: providing off-exchange medical benefits
- Veterans Administration (VA) Health Care Coverage
- Prison Health Care for California
Health care in California has gone through radical changes since the passage of the Patient Protection Affordable Care Act (PPACA) in 2010 and the implementation of Health Care Reform in 2013. Obamacare plans in California are sold through the state health insurance exchange, Covered California.
Individuals, families and businesses can enroll on a health care plan through Covered California, through Medi-Cal, through a health insurance broker, or by contacting a health insurance carrier directly. Popular carriers offering health insurance in California include Anthem Blue Cross, Blue Shield of California, Kaiser Permanente, Health Net, Molina and United Healthcare. For rates and benefits, click California Health Insurance Quotes. Open Enrollment 2017 is from November 1, 2016 to January 31, 2017. Outside of that window, you may apply during the Special Enrollment Period as long as you have a qualifying life event.
Government agencies that regulate health care in California include the California Department of Insurance, the California Department of Health Care Services, the Department of Managed Health Care (DMHC) and Ombudsman. The DMHC and Ombudsman offer protections and legal assistance for the consumers of health care in California.
Brokers and Providers Fight for More Money While Consumer Costs Continue to Rise
These days, it seems that everyone wants their pound of flesh from the health insurance carriers. Brokers want higher commissions, providers want bigger payouts and customers want lower rates.
And, in the midst of all this pressure, carriers face the constant volatility of legislation coming at them from the state and federal levels. Everyone wants more, but we’ve got to find a way to meet in the middle.
HealthforCalifornia.com Evaluates Obamacare, the Trump Agenda and the Push for Single Payer
2018 Open Enrollment was interesting. Anthem Blue Cross dropped out of 19 regions. Many of their members switched to Blue Shield. Enrollment on Blue Shield’s Trio product skyrocketed. Molina’s rates went up and market share went down. And, carriers like Health Net and Oscar continued to gain membership.
Also, the federal government stopped paying for Cost Sharing Reduction. Covered California countered by raising the rates on Silver Plans. This caused awkwardness in the market where Silver Plans were often around the same price as Gold Plans. Sometimes Gold Plans were even cheaper.
In addition, this anomaly was only for on-exchange. So Silver Plans off exchange were actually cheaper than those through Covered California, especially those without subsidies. This caused some people to leave the health exchange in California and go direct with the carriers to get lower prices on the Silver Plans.
Find Alternatives to Obamacare and Traditional Medical Insurance
Health insurance has just gotten so expensive! We’ve been seeing double digit increases in premiums almost every year since Obamacare and many are looking for an affordable alternative.
There are three basic alternatives to traditional health insurance:
- Short Term Health Plans
- Health Sharing Plans
- Going without Health Insurance
Lower Rates – Enroll Any Time – No Penalty – Less Government Hassle
This is the next wave of health care! People are switching from traditional health insurance to enroll in Health Share Plans, otherwise known as Health Care Share Ministries (HCSM’s).
In the past, these plans were only available to strict Christians, but due to more liberal enrollment policies by HCSM’s like Aliera Health Care, now most people can get in.
Obamacare requires that most Californians enroll in a health insurance plan or face tax penalties. Many Californians buy their plans through Covered California, but the state-run health insurance exchange isn’t the only option. You can purchase health insurance outside the marketplace.
People who qualify for subsidies benefit a lot from buying through the exchange. But if you’re not eligible for lower premiums on a health plan because your income is above 400-percent FPL, selecting health insurance outside the marketplace is logical. (more...)Posted: February 7th, 2018
- Covered California Insurance
- Health Plans in California
- Obama Health Care