Obama Health Care

After much debate, President Barrack Obama put through the Patient Protection Affordable Care Act (PPACA) in 2010 and radically transformed the health care industry. It was fully implemented in 2013. This US Health Care Reform created a Health Insurance Marketplace where consumers could enroll without being denied (guaranteed issue coverage) and could qualify for up-front tax credits or subsidies. For more information, see Obama Care Plans and Prices.

Calculator for Plan Costs

Obama health care calculators give free instant quotes online. In two minutes, you can view medical insurance policy pricing as well as government assistance dollar amounts. To view your rates and possible subsidy, click California health insurance quotes.

The Tax Penalty

The Obama Health Care Bill put into law a mandate that requires most Americans to be insured. They must have coverage on a qualified health plan with certain minimum essential benefits. Americans must be without coverage for less than 3 months in order to avoid the health insurance penalty.

Obamacare Enrollment and Income Limits

Consumers can apply for Obama Care California through the state health insurance exchange. They can fill out the Covered California Application online, using printable PDF forms or with a health insurance agent in person or by phone. For income guidelines, click Covered California Income Limits.

 

Healthcare in the United States has seen a lot of changes in the past few years, with prices for coverage fluctuating dramatically and the very platform for healthcare hanging in the political balance. This issue comes at a time when our country is still recovering from a devastating economic recession, and financial uncertainty and fickle premium costs are prodding many Californians to look for alternatives to health care coverage.

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Posted: December 21st, 2017 under Obama Health Care

by John Hansen

Obamacare rates are going up in 2017. Most states will have rate increases in the double digits. According to leading General Agency / FMO, Health Family Insurance, they have seen nothing in the single digits across the country with regard to average rate increases by state.

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Posted: August 31st, 2016 under California Marketplace , Molina Healthcare California , Obama Health Care

by John Hansen

The Covered California website and the Obamacare California Exchange has taken great measures to insure the security of Personally Identifiable Information (PII). This legally protected information is available to agents, navigators, counselors and health insurance carriers. The Obamacare California Exchange is aware that PII must be kept secure.

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Posted: May 23rd, 2016 under Obamacare Website for California

by John Hansen

Agents Required to Enter Cell Phone Numbers and Use Passcode to Verify Identity

Covered California is making strides on their website to increase security. Security breaches have been in the news. This has been an issue in California as well as on the national and international stage.

In an effort to improve security, the Covered California website is now getting cell phone numbers ...

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Posted: May 23rd, 2016 under Obamacare Website for California

by Esmeralda Mercado

 

Did you know that if you were uninsured in 2015 but you buy insurance now, you could still owe a penalty when you file your income tax return this April? That is because income tax filings are based on the activity for the previous year. Although it may be too late to avoid the tax penalty for being uninsured in 2015, it’s not too late to avoid it for 2016. Getting insurance now will protect you from having to be penalized when you file your tax return in 2017. For free quotes or to enroll, go to (more...)

Posted: February 10th, 2016 under California Marketplace


There are actually 4 Different Options, Not 3… Yes, Yes, No or No Answer

When you apply for a Covered California health insurance plan with the California State Exchange, at the end of the application, you are given the option to register to vote. Of course, you have to be a US citizen and you have to be at least 18 years old. So, this gives you the option to kill two birds with one stone…get health insurance and register to vote all at the same time.

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Posted: January 11th, 2016 under Obamacare Website for California

by Stephen Saucier

Making decisions regarding your Health Plan can be a tricky affair. It’s very common for people to change their minds, even after enrolling in a new plan. Unfortunately, Covered California doesn’t make it very easy to make changes. In fact, if you’re not careful you can wind up losing your desired effective date and experience a lapse in coverage.

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Posted: January 6th, 2016 under Obamacare Website for California

Unfortunately, there is no way to bring back the Covered California dental plan option. If you have already declined dental and you change your mind, you can purchase a stand-alone dental plan. If you have Anthem Blue Cross or Blue Shield for a health plan (or if you don’t), you can purchase a stand-alone dental policy through them. Some people like having one carrier for both health and dental. These two may be the only carriers in the California State Exchange ((more...)

Posted: December 2nd, 2015 under Obamacare Website for California


If you cannot get your numbers to work, Covered California has some workarounds for the immigration section and for customers who are green card holders.

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Posted: December 2nd, 2015 under Obamacare Website for California

2016 Renewals

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Posted: December 2nd, 2015 under Obamacare Website for California

by Stephen Saucier

Every January the Department of Health and Human Services releases the new Federal Poverty Level (FPL) figures, which outline Covered California income limits. The FPL is “The set minimum amount of gross income that a family needs for food, clothing, transportation, shelter and other necessities.” The reason this number is important in the context of health...

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Posted: September 10th, 2015 under Obamacare Website for California

by John Hansen

The outcry in the marketplace is: “It costs too much!” For those now getting subsidies, many are finding California health insurance more affordable than ever, but for everyone else the price went up. Tax payer dollars will now be collected to pay for these subsidies. Many question, how long will America be able to foot the bill? The healthcare ind...

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Posted: September 30th, 2014 under California Marketplace

by Wendy Barnett

When you apply through Covered California for your health insurance, you must indicate what your income will be for the benefit year since the premium assistance that you may receive is based on your annual income.  For many people, especially for those who are self-employed or who are paid by commissions, annual income fluct...

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Posted: September 3rd, 2014 under Obamacare Website for California

by Jessica Howland

A small business client recently called asking for help in getting an employee health insurance. It was discovered that this employee had unknowingly been without coverage for 8 months. Months earlier there had been an internal company error in which the employee was never enrolled on the group health plan. In reaching out to us as their health insurance agency, the company was doing all they could to rectif...

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Posted: August 19th, 2014 under Obama Health Care

by Wendy Barnett

Creating your own Covered California Account is easy and advisable.

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Posted: July 25th, 2014 under Obamacare Website for California

Coverage Being Cancelled, Enrollment Deadline Moved to December 23rd

If you have health insurance now but your insurance company notified you that your health plan would be cancelled as of January 1, 2014, that notice is still valid according to a recent vote by Covered California to reject President Obama’s cancellation fix.

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Posted: November 28th, 2013 under Obamacare Website for California

By Esmeralda Mercado, John Hansen, and Stephen Saucier

Recently, President Barack Obama issued an executive order to postpone the individual mandate penalty so that individuals and families may begin coverage as late as May 1, 2014 without having to pay a penalty. It’s a Win-Lose scenario. It’s probably a win for consumers at least in the short run and a loss for insurance companies. Consumers could save some money, but health insurance companies might take a hit.

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Posted: November 7th, 2013 under California Marketplace

By Esmeralda Mercado, Stephen Saucier, and John Hansen

Last week a proposed change to the Affordable Care Act was brought to the table by House Representative Daniel Lipinski, Democrat from Illinois, and approved by executive order by President Barack Obama. This proposal recommended that consumers would not have to pay a penalty as long as they submitted an application by March 31, 2014, which would result in coverage beginning on May 1st. What this means is that you will not have to pay a penalty even if you are uninsured for the first four months...

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Posted: November 6th, 2013 under California Marketplace

By Esmeralda Mercado, Stephen Saucier, and John Hansen

See How Various California Health Insurance Carriers Will Deal with Current Members

If you’re currently insured in California, it’s probably a good idea to know how your insurance company is going to deal with your current coverage going into 2014. If you’re with Health Net, you must act soon or your coverage may get cancelled. The other carriers will automatically switch you to the plan of their choice if you don’t notify them of what plan you want.

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Posted: November 1st, 2013 under California Marketplace

How the ACA May Force Spouses and Children into Un-Affordable Health Care

By John Hansen

 

The Affordable Care Act insures “affordable” health insurance for employees, but not necessarily for the employees’ spouses and children. This doughnut hole in Obamacare is commonly referred to as “The Dependent Gap”.

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Posted: September 19th, 2013 under Obama Health Care