Individual & Family
Group health
Medicare Supplement

Best rates GUARANTEED

Free Assistance 800-320-6269

California health insurance    Understand health insurance in California    California Metallic health plans

The Metallic Plans Are Here In California

New Metallic Plans are available with 4 levels (plus one catastrophic) detail below
Subsidies will dictate who buys in or out of Exchange for Metallic plans (detail below)

We are now deep into the ACA law changes on the California health insurance market.  Let's look at what benefits are available and how to get the best deal with options available on the market.

Bring on the Metallic Plans

The health reform statute stated that there should be 4 metallic plans (platinum, gold, silver, and bronze) based on a given benefit level. California based their metallic plans on the Kaiser $30 copay group HMO health plan which is pretty rich. It has no deductible, unlimited $30 copays, generic and brand RX to name a few key points. The Platinum must then be 90% of the actuarial value of the Kaiser HMO $30. Okay, that just sounds like insurance jargon so what does it really mean?

Actuarial Value means what?

It's a tricky concept and not an exact science. Think of it this way, if the Kaiser $30 benefits is the absolute best, the Platinum option should be about 90% of it. That's not getting us much closer to understanding and in all honesty, each carrier will have slightly different takes on what this looks like. Is it s $250 deductible? Maybe higher deductible but lower percentage after (called coinsurance)?  The Gold has an 80% actuarial value; Silver 70%; and Bronze 60%. There's also a less-rich plan for young adults to help keep the rates down for them.

The new Bronze and Silver Age of California health insurance

The bronze and Silver plans are really the plans to concentrate on. Let's walk through why this is the case. California health insurance is now guaranteed issue which means you cannot be declined due to health. If you purchase in the exchange and make under 400% of the poverty level, you will receive a credit against your health plan selection along a sliding scale (at 150%, you'll get quite a bit more than at 400%). The rates will likely increase quite a bit from where we are now due to the guaranteed issue result, adverse selection, mandates, etc so most healthy people will take the lowest priced plan available (bronze) and in all honesty, we're almost there now. Any rebate will be partially offset by increasing rates overall so the same "lowest hanging fruit" shopping will happen especially for people who do not have coverage now. Who would take the Platinum? Someone with really big health issues since they want the richer coverage. This will drive the cost of platinum (and to lesser extend gold and silver) up at a faster clip. Unless you're getting 100% rebate, everyone will slowly be pushed to the Bronze or Silver plan.

What will the likely health plan look like?

We created a simplified summary of the core plans to make it easier to compare the core benefits.  The Enhanced Silver plans are offered based on income.  If your income is within a certain range, you will be offered a richer version of the Silver plan for the same price as the normal Silver (and with the tax credit).  Above a certain level, you will get the tax credit but not the enhanced Silver benefit. 

 

Related Topics:

Tax Credit Income Ranges

Covered California Enhanced Silver Benefits
 

You can run your California Metallic Plan Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

YOU MAY STILL BE
ABLE TO ENROLL

In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!




Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:


Single Person: $16k - $23k
2 People $22k - $31k
3 People $27k - $39k
4 People $33k - $47k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California
Kaiser of California
Health Net of California
Aetna
and more

Thousands of Californians
Hundreds of California Companies

SUCCESSFULLY
ENROLLED

Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

SUCCESSFULLY
ENROLLED

Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269

Our Services are FREE to You

Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.