Steve Shorr - Covered CA Certified Agent

Steve Shorr - Covered CA Certified Agent -
Appoint Us - Instructions 
No Charge for Complementary Year Around Service -
Same price as Covered CA or Direct with Insurance Company
Get Instant Quote & Subsidy Calculation

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Welcome to Steve Shorr and Health Reform 

You’ve come to our Front Door for  over 1,000 web pages on Health, both Individual & Family, with Covered CA subsidies and direct for those who are fortunate to be above 600% of poverty level.

We also help with Employer Group PlansLifeDisabilityLong Term CareMedicaretravel and various other forms of Insurance Protection for your Peace of Mind.

Open Enrollment  for  Individual & Families for 2020 will start 10.15.201 begun and will end 1.15.2019. There is pending legislation… to extend this to 1.30.2010.    If you don’t have coverage now or need to change your plan, check out the special enrollment rules.

Medicare Advantage Plans and Part D Rx open enrollment starts October 15th and ends December 7.   If you are just turning 65 or are new to Medicare, Part B or under 65 with a disability that gives you a NEW Open enrollment period.

Employer Groups can enroll the year around!

More information & Detail

See the navigation bar above or if your using a smart phone, the hamburger button to navigate our site.

View the Income Chart – to see the Subsidy – Medi-Cal – Enhanced Silver levels by family income.

If it’s not Open Enrollment, check out the reasons for when you can use the Special Enrollment process.

Then, Set a meeting time with us for phone, video conference or face to face

Term Life Insurance Quote

Covered CA

If you qualify for subsidies and want to use Covered CA, just get the (Free Instant Quotes, benefits, provider lists & Subsidy Calculation) we can then complete your Covered CA application.  If you have a Covered CA ONLINE account, you can appoint us as your agent, no extra charge by following these instructions.    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, it’s all guaranteed issue §2701.

Health Insurance meeting the lowest 10 “essential benefits” requirement. is mandated for just about everyone starting 1.1.2014. The penalty for non compliance is:

  • 2% of income (for 2015 and increasing).  While on a Federal Level the penalty is now zero, CA has added it back in for 2020.  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.

Please note that the 10 Essential Benefits mandated by Health Care Reform leave out many important protections like, Life, Disability, Long Term Care or Adult Dental.   

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 (Free Instant Quotes)  outside of Covered CA.

FAQs / Ask Us a Question

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Guaranteed Issue - No Pre X Clause - Quote & Subsidy Calculation - No charge for our complementary services - If not in CA click here for Nationwide Quotes
Guaranteed Issue - No Pre X Clause - Quote & Subsidy Calculation - No charge for our complementary services - If not in CA click here for Nationwide Quotes 

Introduction to Health Care Reform by Steve Shorr - Video

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