If you missed the Open Enrollment Deadline, we have temporary plans and we can see if you qualify for special enrollment – trigger or qualifying events to tide you over till the 1.1.2015 open enrollment. Employer Groups can enroll the year around!
Hopefully, you are earning more than 400% of Federal Poverty Level – $45k for a Single or $95k for a family, and do not qualify for subsidies (tax credits) to buy your mandatory medical coverage. In that case one can enroll by using our affiliate websites in the right hand column or getting quotes from ALL companies at one time using our Quote Engine.
There is no extra charge for our consultation and assistance, we are paid by the Insurance Companies to help you, year around. So, use the links on our website or Quote Engine to the Insurance Company online enrollment, so they know we helped you.
If you qualify for subsidies unfortunately the Covered CA Health Plan Calculator and website (Facebook Comments) are not that reliable, we suggest that you visit our quote engine and then email us your income ([email protected]). We will send you the calculation and your subsidy – tax credit. We can help you complete the Covered CA application. We need a commitment from you that you will appoint us as your agent, so that we can hope to make at least minimum wage for consulting with you. In our role as your agent, we offer year around service and consultation, not just completing an application, which no longer even asks for medical history. There is no more Pre-Existing Condition clause.
Open Enrollment for 1.1.2015 starts again 11.15.2014 after the elections. Watch our website as the regulations are issued. Check here to see if you qualify for a special enrollment or temporary coverage in between those times.
Check out our menu at the top of the page for other coverage’s to round out your Insurance Program. The 10 Essential Benefits mandated by Health Care Reform leave out many important protections like, Life, Disability, Adult Dental or Long Term Care.
Health Care Reform is here to stay. I believe the battle ended with the Supreme Court Decision calling it a tax. We are doing our best to keep up with all the rules, regulations and interpretations. Health Insurance meeting the lowest “essential benefits” requirement. is mandated for just about everyone starting 1.1.2014. The penalty for non compliance is 1% of income (this year) and of course possible bankruptcy (the penalty does not get you any coverage) if G-d forbid you become ill or get into a major accident. Check out this 6 minute introductory video from Kaiser Foundation dated 7.2013 for updates and this 1 minute video on Guaranteed Issue regardless of any medical problems you might have or come down with in the future.
The rates and benefits are the same in and out of Covered CA, as Health Care Reform doesn’t want adverse selection. However, there are more plans and companies outside of Covered CA.
Individual Carriers Direct Webpage
- Blue Cross
- Blue Shield
- Deal Direct
- Health Net Individual
- Kaiser Individual
- Covered CA – Exchange – Individuals & Families
Small Employer Carriers Direct Webpage
- Blue Cross – Anthem – Small Employer Group Medical Plans
- Blue Shield – Employer Group
- California Choice – A Private Exchange
- Health Net
- See the change
- Self Funded Plans – Ben E Lect
- Sharp Health Plan
- SHOP Small Biz Health Options Program (Exchange)
- United Health Plan – Pacificare