What are these health insurance exchanges I’ve been reading about?

Health exchanges are organizations set up as part of the Patient Protection and Affordable Care Act (ACA) to help people buy health insurance. Californians can get brand-name health insurance at Covered California, which is our state’s health exchange. People who have low or moderate income may be eligible for subsidy plans, which means that they receive a tax credit to help reduce the premium to help make quality health care coverage more affordable.

 

There are (4) metal tiers of health plans to choose from: Bronze, Silver, Gold and Platinum. Although the metal tier benefits are the same from each carrier offering plans their network of doctors is VERY different from each carrier. It is very important for us to help you locate which carrier(s) have contracted with your doctors before making a decision.

 

Covered California enrollment makes it possible and more affordable for millions of Californians to get quality health insurance. You can’t be canceled or denied because of a pre-existing medical condition or if you should become ill. Covered California offers a range of plans so consumers can choose the one that best meets their health needs and financial situation.

 

What kind of plans does Covered California offer?

Covered California helps Californians buy low-cost coverage from top-quality health insurance providers like Anthem, Blue Shield of California, HealthNet, Kaiser Permanente, LA Care, Molina Healthcare, Oscar, Sharp, valley Health Plan, and United Healthcare.

 

If you are a low- or moderate-income Californian, you may get help purchasing insurance from Covered California subsidy plans that lower your premium costs so that you pay less for brand-name insurance.

 

What if I choose not to get health insurance?

According to the federal Healthcare.gov website, the Affordable Care Act requires all Americans to have health insurance (although a few people are exempt). For most people, if you choose to remain uninsured, you may face a penalty, fine or individual mandate. California Exchange Plans can help you get affordable health insurance and avoid any penalties.

 

Our website is designed to help you through the complicated process of choosing and applying for insurance. We’ll advocate for you, offer advice, answer your questions about the ACA and insurance, and help you select the best health insurance options.

 

How do I sign up for Covered California and subsidy plans?

You can trust California Exchange Plans to provide information about Covered California health plans along and give you quotes for individual and family health insurance. We can help you understand everything you need to know about Covered California enrollment and will even help you apply for Covered California.

 

We are a certified agency as well as retail store front for consumers to come to our office for personal, one to one, help. There are no fees or charges for our services. We have been in the insurance business for over 15 years and offer full services year round.

 

Spend a little time on our website today or call us toll free at 877-840-0554. Our friendly, knowledgeable staff will answer your questions and walk you through the confusing process of finding and applying for health insurance.