California health insurance  -  Health Reform in California  -  California Health Reform and Me

California Health Reform and Me

In this 50 sec video, we want to quickly break down how California health reform will affect most Californians.  Further detail is available below but start with the video!

There are three main Groups

1.  People with Grandfathered Plans.  These are plans which have not changed materially (upgrade, downgrade, change carrier, plan, etc) since 3/22/2010.  These plans are not subject to most of the new mandates and should be priced much better than the new Reform plans effective Jan 1st.  Adding or removing family members is generally okay.

There are some exceptions.  If you had a very high rate due to increased tiers, expensive older plans, HIPAA or Cobra coverage, etc,  OR  if you can qualify for a Health Subsidy (next section), it might make sense to move.  You will be able to see actual rates and benefits with and without subsidies through our California Health Exchange Quote page starting October 1st, 2013.   

2.  People That Make Under 400% of the Federal Poverty Level (FPL)

These people will likely qualify for health subsidies unless they are offered affordable health insurance through an employer.  Based on 2012 income for 2014, it's about $45K of income for an individual and $15K for each additional family member.  The health subsidies can be very large...$1000's of dollars per year.  This will likely outweigh any grandfathering option.

3.  People That Make Over 400% of the Federal Poverty Level

These people will likely see their health insurance premiums increase by 30-60% depending on existing plan, age, and area.  This is going to be tough.  There is a penalty for not purchasing California health insurance starting Jan 1st, 2014.  These people really need to be proactive and use our online Quoting Tool to see all available options. 

So What Can You Do?

Until we hit Jan 1st, 2014.  Make sure you're on the best health plan at the best rate.  You can quote them hear.  Again, we advise against making changes that would affect Grandfathered status till see the new rates Oct 1st.

October 1st, 2013.  Quote and compare the new options  available for the earliest possible effective date of Jan 1st, 2014.  Subsidies drive everything.  If you qualify for a subsidy, you will want to apply for the Silver Exchange Plan no later than Dec 15th, 2013 through our California Exchange Quote page. 

It's going to get very complicated and you'll need someone who is well versed in all things California health reform.  That's US!  We do not charge for our services so please feel free to contact us with any question at or 800-320-6269 Our goal is your savings!



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