Individual & Family Health Insurance for California
2025 Covered CA Information
- Covered California announced its health plans and preliminary rates for the 2025 coverage year. Read all the details in the full press release here.
- No extra charge for having an agent/broker.
- Quick Information on the 2025 Plans and Preliminary Rates:
- Covered California announced its health plans and rates for the 2025 coverage year with a preliminary weighted average rate increase of 7.9%; this rate change can be attributed to many factors, including a continued rise in health care use, increases in pharmacy costs, the rising cost of care, labor shortages, and other issues affecting the health care industry.
- Continued support for the state-enhanced cost-sharing reduction (CSR) program will eliminate deductibles and lower the cost of care for over a million Californians.
- Nearly 25% of current enrollees are estimated to have a $0 premium in 2025, a jump from 20% in 2024.
Beginning November 1, Affordable Care Act coverage will be made available for Deferred Action for Childhood Arrivals (DACA) recipients. - In 2025, with 12 health carriers providing insurance across the state, all Californians will have two or more choices, 92% will be able to choose from three carriers or more, and 85% will have four or more carriers to choose from.
- Kaiser will cover 55% of the enrollees in Monterey County, as Valley Health Plan exits that region.
- Get Instant Quotes & Subsidy Calculation
Introduction
- You’ve come to the right website to enroll in Individual & Family Plans with Guaranteed Enrollment and no-Pre-existing Conditions, including coverage for COVID – Corona Virus directly with an Insurance Company or get tax subsidies in Covered California.
- You get our expertise at no extra charge – we are paid by the Insurance Companies to help you.
- We are in the constant process of updating our website. Like us on Facebook for notifications. The rules, Supreme Court decisions, Presidential actions can change things almost daily. For example, there are no more short term plans in CA SB 910 Hernandez 2018. §10123.61. LA times * KFF News July 2023 *
- There is has been… legislation for short term plans on a National Level Read More NAFIA , BUT CA regulations don’t allow them at all. Read more Insure Me Kevin.com *
- Unfortunately, Health Insurance doesn’t cover everything. You might also want to check out our disability page to recover your lost wages. Your own disability policy pays in addition to SDI State Disability Insurance. If G-d forbid, that you don’t recover you might want to check out our Life Insurance page to protect your loved ones and give them the financial security they deserve.
- All plans under ACA – Obamacare are guaranteed renewable (Insurance Code §10273.6) and they have contractual guarantees* not to single you out for a rate increase or cancellation, even if you have too many claims like cancer, aids or heart trouble or other sickness or illness.
- FAQ’s are on virtually every page of our website. That would be the best place to ask or view other website visitors questions.
- Covered California open enrollment begins. What to know about signing up, subsidies and more LA Times Nov 2022 – but the principles are the same.
- EXPLAINER: How to navigate Affordable Care Act enrollment
- Everything you need to know about 2024 ACA Open Enrollment
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for more information or just ask a question in comments below
Resources & Links
All our plans are Guaranteed Issue with No Pre X Clause
Quote & Subsidy #Calculation
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- Our Quote Engine Takes all the complexity out of using pencil and paper to figure out the premiums per the Obamacare/ACA rules under CFR §1.36B-3 *
- Get more detail on the Individual & Family Carriers available in CA
#Covered CA Certified Agent
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How to use your Health Plan & FAQ’s
Covered CA
How to use your plan
Kaiser Foundation FAQ's
- Marketplace Eligibility
- Marketplace Enrollment Periods
- Marketplace Health Plans and Premiums
- Marketplace Alternatives
- Renewing Marketplace Coverage for 2020
- Individual Mandate
- Health Insurance and the 2019 Federal Income Tax Return
- Short-Term and Other Policies Sold Outside of the Marketplace
- Help Paying Marketplace Premiums: The Basics
- Help Paying Marketplace Premiums: When Other Coverage Is Available
- Help Paying Marketplace Premiums: Defining Income and Household
- Help Paying Marketplace Premiums: Challenges Estimating Income and Tax Consequences
- Cost-Sharing Reductions
- Tobacco Surcharge for Premiums
- Marketplace Verification and Appeals
- Young Adults and Students
- Women's Health
- Non-traditional Households
- Immigrants
- Agricultural Workers
- Employer-Sponsored Health Coverage
- Early Retirees
- Medicare
- Get Instant Quotes & Enroll
White House Address
Time to sign up
Done in 2015 but the principles are the same
CHCF California Health Policy Survey
- 1/2 of California's skipped health care in the past year, due to cost
- 1/4 themselves or knew someone who had problems paying a bill
- 1/5 had someone close to them experience homelessness
- 1/2 have used telehealth - phone or video
- 6 in 10 think there is racial or ethnic disparity
Hitler & Mental Health Disabilities T 4
Speak up! Do want you can to make sure this doesn't happen in the USA!
Translation for the poster below:
"This person suffering from hereditary defect costs the community $60,000 Reichsmark during his lifetime. Fellow German, that is your money, too. Translation & Image Courtesy of Psychology Fantom.com
Under the T 4 program, wikipedia.org T4 Certain German physicians were authorized to select patients "deemed incurably sick, after most critical medical examination" and then administer to them a "mercy death" (Gnadentod).[7] The T4 programme stemmed from the Nazi Party policy of "racial hygiene", a belief that the German people needed to be cleansed of racial enemies, which included anyone confined to a mental health facility and people with simple physical disabilities.[31] wikipedia.org T4
The annual cost for a bed in a CDCR-operated, inpatient psychiatric program is around $301,000 lao.ca.gov *
Did President Trump??? really say and mean this? Time.com
https://hbex.coveredca.com/toolkit/