This is an important consideration for many Californians since Covered Ca came on the scene Jan 1st, 2014 and will likely continue. There can be significant advantages and disadvantages to any move depending on your situation so let's look at the basic groups that are out there and map out options in our a clear and easy to understand manner.
We need to understand a wrinkle in the
original health reform law....Grandfathering.
Basically, most health plans effective and not
changed since 3/22/2010 are designated as
"Grandfathered". This is the "if you like your
plan, you can keep it" clause in action. These
plans are not subject to many of the reform
changes and can remain intact for as long as the
carrier offers them providing that no changes in
benefits are made. You should receive
notification from your carrier if you have this
status. Why does grandfathering matter?
If you have a grandfathered plan, the rates will probably be hard to beat in the new Exchange (or off Exchange) unless you qualify for a subsidy. There some older grandfathered plans which were priced poorly and those may not be good values. Otherwise, it will probably be hard to beat. We recommend quoting the new plans (with subsidy calculation built in) to see how the two options stack up but please contact us with your situation as the repercussions to losing grandfathered can be large.
We're finding out that the new networks for the Exchange plans (non-grandfathered) will be much smaller than prior networks by 30% in most cases and even less for some carriers. If your doctor choice is critical to your reason for having health insurance, do not get rid of Grandfathered status till we have better information on how that will play out. This will be a huge deal over the first few years and we don't understand how the lowest reimbursed doctors (very narrow network) are going to absorb the onslaught of new enrollees without significant delays.
Since Jan 1st, 2014, you will either have to change to one of the new Exchange/non-Exchange plans or carrier will automatically roll you over to the most equivalent plan to your existing plan. All the old, non-grandfathered plans went away Dec 31st, 2013. Some carriers even discontinued Grandfathered plans as well (Health Net of California) but we're hoping that's the exception and not the rule. So how should we compare current plans and the new options?
You can quote, compare, and enroll through
our Covered Ca Quote page but it's best to
discuss your options since the Subsidies are
such a big deal and will probably swing any
decision. The calculation can be complex (ask
the roughly 50% of self-enrollers that used
incorrect information) but we can boil it
down to 5-10 minutes over the phone. Call
800-320-6269 and we can evaluate all the
options. Our services are free to you.
Subsidies will automatically be calculated for
your convenience and these are the best rate
possible. We've been through the Exchange
application and it's not the easiest process.
Health history confusion has been substituted by
income verification confusion so please, let us
help you through this process. The rates are
identical and there is a great deal of
complexity to this decision. We are here to help
you through the process.
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:
With Existing Account
We can help you:
If Your Income
Is In This Range
Current Years Estimate; All those that file together on one 1040:
|Single Person:||$16k - $47k|
|2 People||$22k - $64k|
|3 People||$27k - $80k|
|4 People||$33k - $97k|
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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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