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So, you are not from sunny California? That is ok, we've got you covered. You can qualify for Obamacare in all 50 states!
· October 2013: open enrollment begins for health insurance plans through Covered California™
· February 15, 2015: open enrollment for coverage in 2015 ENDS, but throughout the year, you can still enroll if your circumstances change. You can also be found eligible for Medi-Cal year round.
How will Covered California make coverage affordable to me?
Covered California offers a number of options that are based on your specific situation. Depending on your income and family size, you could be eligible for no-cost Medi-Cal or for tax credits to help reduce your monthly premium costs. By using the 'Health Plan Calculator,' you can see what your options are and how much coverage would likely cost you.
I am not sure what my exact income level will be next year. What happens if I estimate wrong?
If your income changes over the year, your tax credit will be adjusted accordingly. If your income increases you will have to pay the difference at tax time or by notifying Covered California, we will adjust your premium assistance. If your income decreases, you can receive additional tax credit.
How can I be sure that I’ll get good quality care through the Covered California plans?
Covered California is offering plans that are the same high-quality health plans available on the private market today. These plans are guaranteed to provide essential levels of coverage and comply with consumer protections set forth in the Affordable Care Act.
What do I do if I’m not ready to make a decision at this time?
It’s important to think through this decision carefully and make the right choice. Just remember, to have coverage that starts January 2015, you need to complete enrollment by the middle of December. In addition, open enrollment closes on February 15, 2015. If you do not purchase health insurance during this open-enrollment period, you may not have all the insurance and financial support options available to you.
Can I get insurance even if I have applied for coverage before and I was declined?
The Affordable Care Act changes things. Beginning January 1, 2014, health plans must issue policies to all applicants regardless of health status or other factors. This 'guaranteed coverage' is only assured during the Open Enrollment period.
I can’t afford premiums for my entire family, can I just cover my children?
Starting in January 2014, most people will be required to have health insurance or pay a penalty if they don’t. The cost of coverage depends on how much coverage you choose to purchase and whether you qualify for financial assistance. There are programs, like Medi-Cal, that provide coverage for children that can greatly reduce your costs depending on your income. Take a look at the cost calculator to estimate your annual costs and determine if you are eligible for financial assistance.
I qualify for Medicare, can I enroll in coverage through Covered California?No. If you already have Medicare or you qualify for Medicare, you cannot apply for or purchase coverage through Covered California. Covered California does not offer Medicare supplemental insurance Plans (Medi-gap) or Part D drug plans. For information on these programs, please call 1-800-MEDICARE (1-800-633-4227) or visit www.Medicare.gov.
* Open Enrollment Starts 11/1/16 *
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