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California health insurance  -  California Health Reform

Covered Ca agentCalifornia Health Reform News Center



Before reviewing Health Reform impacts below, watch our California Health Reform and Me video (above) to see how Reform might affect you.

Key Changes in Marketplace

California Health Reform pageHealth Exchange plans will be guaranteed issue (regardless of health) for most Californians.

California Health Reform pageBetween 138% (expanded Medi-Cal basis) of poverty and 400% (see Covered Ca income levels here), most Californians will receive an immediate subsidy when they purchase health insurance through the Exchange (Covered California). You can get a look at what subsidies are anticipated in our health reform subsidy article.

The Tax Credit is the THE real point of Health Reform for Individuals and Families. Call 800-320-6269 to find out how much you qualify for in 5 minutes.  As Certified Covered California Agents, our services are free to you.

California Health Reform pageTiers (higher rates based on health) will go away on both individual and group markets.

California Health Reform pageIndividuals that do not have adequate insurance will be levied a penalty (at tax filing time).  2% of income in 2015 and increasing there after.
California Health Reform pageSmall Group will now be 1-100 employees but fines/mandates primarily affect groups over 50 employee (equivalent hours).
California Health Reform pageBenefits are now standardized along 4 metallic levels (Bronze, Silver, Gold, and Platinum)

California Health Reform pageFor people with income between 138% and 250% of FPL, enhanced benefits may be available for the same price.  Very rich upgrades!


Additional Updates for Health Reform:

GURU Section with Common Covered California Questions

Introduction to the health Exchange


Update to Income Period for Health Subsidy
California Special Enrollment Period or SEP's
The new importance of doctor networks under health reform
Exchange Notification for California companies
Do I Qualify for a Health Subsidy?
Pediatric Dental Benefits part of Medical Plans
Delay of Group Health Reform Mandate
Catastrophic Exchange Plan For Young Californians
Bronze California health plan

The Gold Exchange Plan
The California Platinum Exchange Plan
400% of Federal Poverty Level and Subsidy in California
Shrinking Doctor Networks and the Exchange
HSA plan options after Jan 1st, 2014
Benefit Subsidies on the California market
Jan 1st 2014 Transition
Non-Exchange versus Exchange health plans
Expected California health Rate Shock

Health reform penalties for not buying insurance
Subsidies available for California health insurance
Open Enrollment Window

Hold on to old plans effective prior to 3/23/2010 
Maternity on all Plans
Grandfathering Coverage
Women's Preventative Coverage

You can run your Covered Ca Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!


In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!

Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:

Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

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20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

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