Covered California Kaiser Health Plans

Get Kaiser through Covered California Rate and Plan Updates HERE

Kaiser is a dominant California landmark in the health insurance and health care market.

Kaiser had over 1/3 of Covered California enrollment

We expect this trend to continue if not accelerate into open enrollment.

Let's look at the plans, rates, and enrollment for Covered Ca Kaiser going forward.

Covered Ca = Kaiser plus tax credit

First, it's very important to understand why you would get Kaiser through Covered Ca.

Tax Credit.

It's that simple.

You can get substantial help in paying your monthly premium when correctly enrolled through Covered Ca.

"correctly" is the key word there.

Many people we come across try to self-enroll online not realizing that one wrong answer can cause them to lose their tax credit.

Worse, yet a different wrong answer will give them more tax credit than they are eligible for.

They will have to pay this back at tax time.

So...

Get some assistance just to walk through your income estimate, household, and healthcare needs.

You can always run your quote here:

As Certified Covered Ca agents and licensed Kaiser agents, our services are free to you.  Call 800-320-6269 and we can quickly get the most tax credit available.

It could mean $1000's of dollars in free tax credits each year.

Here are the broad brush strokes...

Income. We need your best estimate for this year's income.

This is really where people get confused. It's confusing!

We wrote an entire article on the income piece but it's generally best to discuss it over the phone or by email.

Since the tax credit is for the current year, we want the income estimate to match the same time period.

This can be hard...especially for self-employed people.

Number of household members.

This can also be tricky.

 We want the total number of people that file together on one 1040 tax form...regardless of whether they are enrolling.

There are a few other considerations but these are the big ones.

Again, if you qualify for a tax credit, Covered Ca will pay part of your premium each month towards your Kaiser plan.

We're not talking about small amounts either.

Some quick stats.

The enhanced Silver plans with Kaiser

There's another benefit to getting your Kaiser plan through Covered Ca.

Enhanced Silver Plans!

This is almost as good as the tax credit (but free money's hard to beat).

Here's the deal...

As our income estimate goes down, we start to hit certain riggers that give us richer benefits.

For the same price as the normal Silver plans!

There is a Kaiser Silver 73, Kaiser Silver 87, and Kaiser Silver 94.

The benefits go up in with each step.

If we find out your offered the Silver 87 or 94, those are hard to turn down.

• The Silver 87 is richer in many ways than the Gold plan.
• The Silver 94 Kaiser plan is the richest plan on the market!
• We haven't had benefits like this for 15 years in California.

Call us or email a request for details on the Kaiser Enhanced Silver plans at 800-320-6269

In addition to the Kaiser Enhanced Silver plans, we also get the tax credit.

Can't get better than that.

So those are the benefits of getting a Kaiser plan through Covered Ca.

Are there any downsides?

Covered Ca Kaiser versus Kaiser Direct

Here's the good news...we can get the exact same benefits and rates for Kaiser through Covered Ca.

With no network issues!

Many of the other carriers have narrow networks for new ACA plans (any plan since Jan 2014).

The other carrier networks can be 2/3rds the size of the full network.

That's not the case with Kaiser.

There is only one Kaiser network. Whether it's through an employer plan, pre-ACA, or the new ACA (includes Covered Ca) plans.

They all have one Kaiser network.

That's a huge deal now as our #1 complaint has to deal with doctors not participating in the new plans.

Covered Ca Kaiser Plan Benefits and Rates

Another key point is this...the benefits are same whether on or off the exchange. The rates are also the same.

This is very important and the ACA law mandated it.

One very important note.

If you're eligible for a tax credit based on income, you MUST get coverage through Covered Ca.

Off exchange plans will not be eligible for the tax credit.

If there's even a chance that you might qualify, that only leaves one place to enroll.

We can help you enroll over the phone in 5 minutes at 800-320-6269. There's no cost for our service as Certified Covered California agents.

So let's look at the core Kaiser plan benefits.

Kaiser plans available at Bronze, Silver, Gold, and Platinum level

Kaiser has a wide range of plans available in their supported areas at each level.

Here are the basis plan levels:

1. Bronze: high deductible (approx $5K) 3 office visits; free preventative
2. Silver: mid deductible (approx $2K), copays for office, rx, lab, and x-ray
3. Gold: no/low deductible ($500 or none), richer copays
4. Platinum: no deductible, rich copays, lower max out of pocket for big bills

Kaiser will also offer the Enhanced Silver plans based on income.

These are much richer plans for the same price as the normal Silver plan if you're income is in the right range.

1. Enhanced Silver 73: deducdible going away in 2024, copays for office, rx, lab, and xray
2. Enhanced Silver 87: deductible going away in 2024, rich copays, lower max
3. Enhanced Silver 94: deductible going away in 2024, very rich, very low max out of pocket for big bills