This is a great question and we're still getting answers on a daily basis as the actual roll-out of the ACA law occurs.
Let's look at the core differences (few) and similarities (many) and potential advantages either way.
First, we need a lay of the land.
You can always run your quote here:
The Exchange is really the new "marketplace" for California health insurance.
You can think of the non-Exchange plans as the existing marketplace although under new rules and requirements.
You're going to see Metallic plans mentioned which refers to the standardized benefit levels (Platinum, Gold, Silver, and Bronze).
If a carrier offers a plan in the Exchange, they must offer that exact plan out of the Exchange.
Let's first talk about what is the same between in and out of Exchange plans.
Essentially, these plans, rates, and networks will be identical between like plans both in and out of the Exchange. So what's different?
You can access the online application here:
Number One is the Health Subsidy and Cost Sharing Benefit.
If you qualify for either (gross income between 138% and 400% of the Federal Poverty Level - see Covered California income grid), you really should get an Exchange plan and we can help you with this more complicated process at no cost to you.
Otherwise, the enrollment process for non-Exchange plans will be simpler and that's probably the better route.
Either way, we can help you evaluate both options especially taking into account Health Subsidies and Cost Sharing Benefits.
There is no cost to our service and having a guide to this process will help ensure that you do not overlook or miss out on the best value.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.
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