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.
If your income is above say $45k for a Single or $95k for a family, it’s our opinion that you purchase outside of the exchange so that you don’t have to tell anyone your income, etc. and just shop each company directly. Here’s our free no obligation quote engine, which generally allows you to get rates and sign up two months in advance. The rates and benefits are the same in and out of Covered CA, as Health Care Reform doesn’t want adverse selection.
Questions – Check out the FAQ’s in the Draft Application.
Check out the Flow Chart to get coverage, based on Income, Employer Coverage, Medi Cal Eligibility
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