Kaiser is a dominant California landmark in the health insurance and health care market.
Kaiser had over 1/3 of 2015 of Covered California enrollment
We expect this trend to continue if not accelerate into 2016's open enrollment.
Let's look at the plans, rates, and enrollment for Covered Ca Kaiser going forward.
First, it's very important to understand why you would get Kaiser through Covered Ca.
It's that simple.
You can get substantial help in paying your monthly premium when correctly enrolled through Covered Ca.
"correctly" is the key word there.
Many people we come across try to self-enroll online not realizing that one wrong answer can cause them to lose their tax credit.
Worse, yet a different wrong answer will give them more tax credit than they are eligible for.
They will have to pay this back at tax time.
Get some assistance just to walk through your income estimate, household, and healthcare needs.
You can always run your quote here:
If your income estimate is between the ranges below, call us right away!
Here are the broad brush strokes...
Income. We need your best estimate for 2016 income.
This is really where people get confused. It's confusing!
We wrote an entire article on the income piece but it's generally best to discuss it over the phone or by email.
Since the tax credit is for 2016, we want the income estimate to match the same time period.
This can be hard...especially for self-employed people.
Number of household members.
This can also be tricky.
We want the total number of people that file together on one 1040 tax form...regardless of whether they are enrolling.
There are a few other considerations but these are the big ones.
Again, if you qualify for a tax credit, Covered Ca will pay part of your premium each month towards your Kaiser plan.
We're not talking about small amounts either.
Some quick stats.
There's another benefit to getting your Kaiser plan through Covered Ca.
Enhanced Silver Plans!
This is almost as good as the tax credit (but free money's hard to beat).
Here's the deal...
As our income estimate goes down, we start to hit certain riggers that give us richer benefits.
For the same price as the normal Silver plans!
The benefits go up in with each step.
If we find out your offered the Silver 87 or 94, those are hard to turn down.
The Silver 87 is richer in many ways than the Gold plan.
The Silver 94 Kaiser plan is the richest plan on the market!
We haven't had benefits like this for 15 years in California.
In addition to the Kaiser Enhanced Silver plans, we also get the tax credit.
Can't get better than that.
So those are the benefits of getting a Kaiser plan through Covered Ca.
Are there any downsides?
With no network issues!
Many of the other carriers have narrow networks for new ACA plans (any plan since Jan 2014).
The other carrier networks can be 2/3rds the size of the full network.
That's not the case with Kaiser.
There is only one Kaiser network. Whether it's through an employer plan, pre-ACA, or the new ACA (includes Covered Ca) plans.
They all have one Kaiser network.
That's a huge deal now as our #1 complaint has to deal with doctors not participating in the new plans.
Another key point is this...the benefits are same whether on or off the exchange. The rates are also the same.
This is very important and the ACA law mandated it.
One very important note.
Off exchange plans will not be eligible for the tax credit.
If there's even a chance that you might qualify, that only leaves one place to enroll.
So let's look at the core Kaiser plan benefits.
Kaiser has a wide range of plans available in their supported areas at each level.
Here are the basis plan levels for 2016:
Kaiser will also offer the Enhanced Silver plans based on income.
These are much richer plans for the same price as the normal Silver plan if you're income is in the right range.
We can help you see if you qualify for one of these Enhanced plans and also compare the options available at 800-320-6269.
or... run your instant Kaiser Covered Ca quote here
Here's the best news.
Kaiser Enrollment literally takes 5 minutes over the phone at 800-320-6269.
Saving time is not the only benefit.
You'll make sure to get the full tax credit you're available to and understand the plan choices much better.
You can access the online application here:
It's very confusing...similar to a tax form now.
If one question is answered wrong, the system may show no tax credit.
It makes no sense to self-enroll when our services are free to you. Completely free to you as Certified Covered Ca and licensed Kaiser agents.
You do not need tax forms to enroll and payment is not required up front through Covered Ca.
Give us a call at 800-320-6269 and we'll see if we can get you a tax credit to significantly reduce the cost.
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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
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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