Individual & Family Health Insurance for California
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 pending 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.
Email us – [email protected]
for more information or just ask a question in comments below
Resources & Links
- Wikipedia on Individually purchased Health Insurance
- VIDEO Introduction to ACA/Obamacare Individual Health Plans for those coming from an Employer Plan
- Companies – Carriers
- Blue Cross – Anthem Individual
- Blue Shield PPO & Trio
- Health Net Individual Information & Enroll
- Kaiser Permanente – Enrollment – Pay Premium ONLINE
- LA Care – Medi Cal & Covered CA
- Molina Health Care
- Oscar Health Insurance
- Sharp Health Plan – Employer & Family
- Sutter Health Individual & Employer Plans
- Western Health Advantage Individual & Small Group
- Dental & Vision for Adults and Mandatory Pediatic as an essential benefit
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
All our plans are Guaranteed Issue with No Pre X Clause
Quote & Subsidy #Calculation
There is No charge for our complementary services
Watch our 10 minute VIDEO
that explains everything about getting a quote
- 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
Hitler & Mental Health Disabilities T 4
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 authorised 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 *
Speak up! Do want you can to make sure this doesn't happen in the USA!
Covered CA
How to use your plan
White House Address
Time to sign up
Done in 2015 but the principles are the same
#Covered CA Certified Agent
No extra charge for complementary assistance
- Appoint us as your broker
- 17 Reasons to appoint us as your agent - broker
- Set Consultation Meeting via Phone, Skype or Zoom
- Get Instant Health Quotes, Subsidy Calculation & Enroll
- Videos on how great agents are
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
https://fortune.com/well/2023/11/27/aca-open-enrollment-affordable-care-act-obamacare-2024/
https://hbex.coveredca.com/toolkit/
EXPLAINER: How to navigate Affordable Care Act enrollment
https://www.latimes.com/california/story/2022-11-01/covered-california-open-enrollment-begins-what-to-know-about-signing-up-subsidies-and-more
Resource Sources of Health Insurance in California for 2023
https://files4.1.revize.com/chbrpnew/2022%20Projecting%202023%20Estimates%20of%20Sources%20FINAL%20021122.pdf