Certified Covered California Exchange Agent
California health insurance  -  Health Reform Questions  -  calhealth.net and you

What Is Calhealth.net's Role?
Real Answers for Real Californian's
Questions on Covered California

 

 

So if there a new marketplace for health insurance in California, what is Calhealth.net's role?  Same as it ever was!   The new marketplace has only become more complicated.  Yes, before we had to consider health issues and that has gone away (which we're very thankful for) but now there new levels of complexity which figure into the calculation (income levels, Federal Poverty Level, Metallic Plans, Cost Sharing Benefits, In versus Out of Exchange, and on and on).  There has never been a time that the California shopper needs guidance from a knowledgeable and unbiased third party more than right now. 

Benefits of using calhealth.net (at no cost to you)

  • Access to all the plans and rates both in and out of the Exchange at the best rate

  • Guidance on plan selection, market place selection, and network research

  • Enrollment assistance both in and out of the Exchange

  • Guidance on maximizing health subsidies and cost sharing benefits if eligible

  • Service both during the enrollment process and after

  • Unbiased approach with all the Exchange carriers

We're independent brokers but why go through us rather than directly to the Exchange?  Great question.  The Exchange can only show you Exchange plans which may or may not be the best value for you.  We can even help you in the Exchange!

We have helped Californians find affordable health insurance exclusively for almost 20 years!   You're not going to find that with a phone rep at the carriers, the Exchange, or even with most brokers. 

We have helped 10's of 1000's of satisfied clients find the best priced health plan to fit their needs.   We know the right questions to ask and we can greatly reduce the time it takes you to find the best plan.  That's just the result of 1000's of hours dealing only with health insurance plans. 

You'll find that we do not push or sell you when we're in contact.  We do not want to be treated that way and neither do you.  If you have questions, we'll try to address those as clearly and succinctly as possible.  That's it.  No pressure.  No follow up calls.  If we can help you and you want to go with us, great.  We need to earn it.  You can always request us as the designated agent through the CoveredCalifornia website here by searching for "Goodacre Insurance Services" on the right panel. 

Take a look at our Guru section.  We really want people to understand their options so they come out ahead.  You'll see our effort in those articles.  Hopefully that's a token of our effort to be your third party advocate in the new world of California health insurance. 

Please submit your California health reform question and we will reply both to you and add it to the GURU page (anonymously).


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Quick Intro to New ACA Options  start here


 

MAGI (Modified Adjusted Gross Income)
For most taxpayers, MAGI is the same as Adjusted Gross Income (AGI) which can be found on Line 4 on a Form 1040EZ, Line 21 on a Form 1040A, or Line 37 on a Form 1040.

Taxpayers who receive non-taxable Social Security benefits, earn income living abroad, or earn non-exempt interest should add back that income to AGI to calculate MAGI.



Federal Poverty Level Grid
(estimate current  year household MAGI)

Family
Members
FPL 138% 150% 200% 250% 300% 400%
1 $11,490 $15,856 $17,235 $22,980 $28,725 $34,470 $45,960
2 15,510  21,404   23,265   31,020   38,775    46,530     62,040
3 19,530  26,951   29,295   39,060   48,825    58,590     78,120
4 23,550  32,499   35,325   47,100   58,875    70,650     94,200
5 27,570  38,047   41,355   55,140   68,925    82,710   110,280
6 31,590  43,594   47,385   63,180   78,975    94,770   126,360
7 35,610  49,142   53,415   71,220   89,025  106,830   142,440
8 39,630  54,689   59,445   79,260   99,075  118,890   158,520

0- 138% = Medi-Cal
138% - 150%: premium capped at 2-4% of gross; Tier 1 Benefits
150% - 200%: premium capped at 4-6% of gross; Tier 2 Benefits
200%-250%: premium capped at 6-8% of gross; Tier 3 Benefits
250%-400%: premium capped at 8-9.5% of gross; no cost sharing

>400%:  no subsidy or cost sharing

For 138%-250% range, apply for Silver in Exchange
For 250%-400% range, apply any Metallic plan in Exchange
For >400% range, apply any Metallic plan off Exchange


Penalty for Not Purchasing 2014 Insurance
$95 per family member or 1% of income, whichever is higher

 

 

 

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.net  A Goodacre Insurance Services website.           Helping California Individuals, Families and Companies find the best California health insurance