We've Got You Covered!
Covered California is a place where you can compare and shop for private health insurance plans and get financial assistance to pay for health coverage if you qualify. Covered California makes it more affordable for Californians like you to get quality health insurance, including Medi-Cal, that can't be canceled or denied because of an existing illness or if you get sick.
If you have health care through work or a public program, you can keep it. But if not, Covered California can help you understand your options and find a plan that's right for you and your family.
You can get help paying for health insurance.
Health insurance protects you from the what-ifs of life and can bring peace of mind, but you might be concerned about the cost. Covered California offers financial help and a variety of plans from private companies so you can choose the option that's best for your health needs and budget.
There are no annual limits on how much your plan will cover, and thanks to the Affordable Care Act, there is now a ceiling on the total you pay out of pocket each year for doctor visits, hospital stays, and medications. Based on your household income, your family may qualify for a tax credit to help pay for health coverage or low-cost or no-cost plans through Medi-Cal. To learn if you qualify, see the chart below.
Open Enrollment for 2016
Open Enrollment for 2016 ends January 31, 2016. Most people are required to have health insurance or pay a tax penalty. In 2016, the penalty is 2.5% of your yearly household income or $695 per adult (and $347.50 per child under 18) up to $2,085 per family, whichever is higher. Open Enrollment is the next opportunity for all Californians to shop for healthcare coverage.
For every family member who will be covered by the health plan (including you), you should have:
- Proof of income*
- CA ID or drivers license of the person who is applying for the family
- U.S. Passport, legal resident card or certificate of citizenship or naturalization documentation
Also, for all family members who apply, you should know:
- Birth dates
- Social Security Numbers**
- Home ZIP code
* Proof of current income of all family members applying (tax return, W-2, recent pay stubs, etc.). A dependent's income should only be included if their income level requires them to file a tax return. A family is defined as the person who files taxes as head of household and all the dependents claimed on that person's taxes. If you don't file taxes, you can still qualify for free or low-cost insurance through Medi-Cal.
** Families that include unlawfully present immigrants can apply. You can apply for your child even if you are not eligible for coverage.
For more information, please visit www.coveredca.com.
You Have a Range of Options
Covered California offers plans with four levels of coverage: Bronze, Silver, Gold and Platinum. At each level, the health insurance company pays for a percentage of your annual health care costs. The benefits offered within each level are the same — no matter which health insurance company you choose. To pick the plan that's right for you, you can compare costs and look at the network of hospitals and doctors in your area.
On March 23, 2010, President Obama signed the Affordable Care Act. The law puts in place comprehensive health insurance reforms that will roll out over the next few years. The Affordable Care Act will protect consumers, make coverage more affordable, and expand health care access. Starting January 2014, most Americans will be required to have health insurance or pay a penalty.
California was the first state in the nation to enact legislation to start implementing the Affordable Care Act. It created Covered California, a marketplace where Californians can buy health coverage that cannot be denied or canceled if they are sick or have pre-existing health conditions. Starting January 2014, Californians will have access to quality health coverage through Covered California, with pre-enrollment commencing in October 2013.
Get the facts. Learn more about the Affordable Care Act at www.CoveredCA.com.
California Marches Forward to Making Health Insurance Affordable for Everyone
The Golden State's version of the federal Affordable Care Act has hit the ground running. Covered California has officially started open enrollment to provide affordable, high quality health care coverage to its citizens in an open marketplace. Californians who sign up in 2013 will start their health care coverage on January 1, 2014, although residents can sign up through March 31, 2014. Covered California is aimed at uninsured Californians, but anyone who is eligible can sign up and no one can be denied or penalized for a pre-existing condition. In addition, you could be eligible for federal subsidies to help pay premiums if your family qualifies for financial assistance. Those who are happy with their current health insurance can keep the coverage they already have. Watch this Assembly Access video for more details. To enroll, visit www.CoveredCA.com or call (800) 300-1506.