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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!

WHY DO I NEED HEALTH INSURANCE?

In October of 2014, there will be another open enrollment period when consumers cannot be registered by health plans and they can for premium assistance. 

Health insurance protects you from high, unexpected costs!


The average cost of a 3-day hospital stay is $30,000. Fixing a broken leg can cost upwards of $7500. Having health coverage can help protect you from high, unexpected costs like these.

With just one application, you’ll find out what you qualify for: free or low cost programs, such as Medi-Cal, or affordable private insurance programs.

Insurance coverage protects you from high medical costs in many ways:

* Out-of-pocket maximum:
This is the total amount you’ll have to pay if you get sick. For example, if your plan has a $3000 out-of-pocket maximum, once you pay $3000 in deductibles, coinsurance, and copayments the plan will pay for any covered care above that amount for the rest of the year.

* Sharing of Costs for Care:
Before you reach the out-of-pocket maximum, with insurance you only need to pay a small portion of the actual costs of care. See the background description of 'Health Insurance Benefits' to see what you would be responsible for.

* No yearly or lifetime limits: Health plans in the Marketplace can’t put dollar limits on how much they will spend each year or over your lifetime to cover essential health benefits. After you’ve reached your out-of-pocket maximum, your insurance company must pay for all of your covered medical care with no limit.

People without health coverage are exposed to these costs. This can sometimes lead people without coverage into deep debt or even into bankruptcy.

Through Covered California, you can see if you are eligible for Medi-Cal or premium assistance to lower your costs of insurance.


WHY DO I NEED INSURANCE, WHEN I WILL JUST PAY FOR MY CARE AS THE NEED COMES UP?


Did you know the average cost of a three-day hospital stay can be $30,000?

More than half of the reported personal bankruptcies were due to unforeseen medical expenses.

Starting in January 2014, most people will be required to have health insurance or pay a penalty if they don’t. In 2014, the penalty will be 1 percent of annual income or $95 for each family member that does not have insurance, whichever is greater (this means that if your household income is $45,000, the penalty would be $450). The penalty will increase in future years.

In addition to covering a portion of the expenses, health plans negotiate discounted rates with providers. You benefit from their discounts on the portion of the bill that you pay.



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