Where Are YOU In The Process?

special enrollment - short term - health sharing 

 

 

 

 

 

 

 

 

 

 

Call 800-320-6269 - As Certified Covered Ca Agents, our Services are FREE to You!

 

Get rates for health plans

 

California health insurance agents

aetna in California and more!


 

Covered Ca Buyers Guide

 

 

Alternative to Obamacare and Covered California Get health rates

 

Your 5 Minute

 

 

Guide to the California Health Insurance

 

If you only have 5 minutes to find your bearing in the California health market, this is it.


 

No wasting time...let's get to it!


The three different "markets"  in California health insurance.

 

There are actually three distinct markets:

 

All completely different in rules, options, and rates.

 

Jump to the section that pertains to you for more narrowing!

 

Quick Note...Covered California or Obamacare is generally in the 1st section!

 


Individual Family including Covered California

 

This is health insurance you get for yourself.

 

Here are the main categories (with links to each type):

 

 

Let's jump to each section.


Individual and Family - Covered California or Medi-cal

 

Covered California and Medi-cal can offer financial assistance based on income.

 

That's the big deal there!

 

More information on the tax credit for Covered Ca here.

 

Quick Tip - If you qualify for tax credits, that's the way to go.

 

We can help you figure out the income piece and make the entire process easy.

 

We've enrolled 1000's of Californians in Covered California.

We know it inside and out.

 

Run your California health quote or call us at 800-320-6269.

 

Additional Guidance:

 

Quick Tip - You have to enroll during Open Enrollment (end of year) or if you have a Special Enrollment Trigger.

 

Common Special Enrollment Triggers:

  • Loss of eligible coverage
  • Marriage
  • Birth
  • Move that affects health options

 

If you can enroll and are eligible for a tax credit, this is the way to go.

 

Stop Looking and quote!

 

how to quote Covered California plans

 

Medi-cal is offered based on income below a certain amount.

 

We're happy to help with any questions...there's no cost for our assistance at 800-320-6269 or by email.

 

We're certified Covered California agents!

 

You can access the online exchange enrollment here:


How to apply for California obamacare

 


Individual and Family - Off Exchange

 

Some people who are NOT eligible for tax credits choose to go direct with a carrier (not through Covered Ca).

 

You can quote the off-exchange plans here:

 

Off Exchange Health Quote

 

One note..the plans, rates, and networks are identical on or off exchange (aside from the Silver plan).

 

It usually makes sense to just enroll on-Exchange since the process is a bit easier.


Short term health insurance

 

If you can't enroll on with off or on exchange plans (missed open enrollment), there is Short term health.

 

A comprehensive short term health insurance guide here.

 

Short term works well to cover gaps in coverage such as:

 

  • Health insurance between jobs
  • Missed open enrollment
  • Need to show proof of coverage quickly
  • Waiting periods for new coverage

You can quickly quote and enroll in short term health here.

Check out Short term health versus Covered California here.


Health Sharing

 

If you can't enroll (missed open enrollment) or can't afford unsubsidized ACA plans, health sharing may be an option.

 

Important resources here:

 

Health sharing is not health insurance but has become very popular.

 

We're happy to walk through how it works.

 


Employer based health plans for California Companies

 

First, there are two main types of "Group" health plans:

 

  • Small Business 1-100 employees
  • Large Group - 100+ employees

 

You can quickly run your California group health quote here.

 

For more guidance on how the market works:

 

Employer health plans have proven to be very popular with employees.

 

That's important with a tightening labor market.

 

You can always quote the full Employer health plan market here.

 


Individuals with Medicare

 

Also called senior health insurance.

 

We have quite a few Seniors in California!

 

Traditional Medicare has some big holes in it and there are two ways to address those:

 

  • Medicare Supplements (work like PPO's)
  • Medicare Advantage plans (the current HMO flavor in the market)

 

It's important to understand the difference between the two.

 

More detail here:

 


Get help with California health insurance

 

Okay...5 minutes is up!

 

Needless to say, you have a lot of questions.

 

You came to the right place:

  • There is zero cost for our assistance
  • We have 30+ years in the California health insurance market
  • We are Certified Covered California agents with 1000's of clients enrolled
  • We have no complaints with the Department of Insurance

 

Most importantly...we're just helpful.

 

Sounds silly to say that but it can be a rarity these days.

 

Call us at 800-320-6269 or email us with any questions.

 

How can we help you out?

Thousands of Californians
20+ Years EXPERIENCE
SUCCESSFULLY
ENROLLED
Thousands of Californians
20+ Years EXPERIENCE

from ME

"a million thank you for your prompt attention to all the details concerning this process. You've made it that much easier to enroll."

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
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