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How will the ACA "Affordable Care Act" Affect California?

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Featured Article

How will the ACA "Affordable Care Act" Affect California?
Article contributed by
CaliforniaExchangePlans.com

How to be Ready for the California Exchange!

Are you ready for ObamaCare? January 1, 2014 is a landmark day. The national and California Health Insurance Markets will change dramatically. Why? The ACA mandates that ALL Americans and legal residents must be enrolled in medical insurance or pay a penalty (some exemptions apply). Our web site is designed to be your advocate, provide valuable and simple to understand guidelines to answer the basic questions most California residents have regarding the ACA. Information such as how the mandate will affect you, penalties, government subsidies, and choosing the best health insurance options for you and your family.

Important Dates: October 1, 2013-Mark Your Calendar

Effective October 1, 2013 the California Health Insurance "Exchange" markets open for Individuals and Groups. In California, it will be called "COVERED CALIFORNIA". In this new market, you can shop for plans, compare carriers and premiums and see if you are eligible for a Federal Subsidy. California estimates 3-5 million people will shop and are insured through this new program. Our recommendation is not to wait until the end of the year to shop. Quotes are available through our web site starting October 1 2013.

What is an "Exchange Market"? Help me understand what all this means?

The "Exchange" is a new market where carriers will compete for your business. These plans are required to meet government mandated benefit levels. You are not required to purchase your health insurance in the Exchange in 2014. You may keep your company group plan or in certain situations you may be able to keep your individual health plan depending on when you purchased. However, in order to qualify for a subsidy you must purchase your policy through the Exchange.

Have any of the ACA Mandates already taken affect? Where are we at in California with the ACA?

The Affordable Care Act was passed in to law in March of 2010. Its intent was to be fully implemented as of January 2014. However, there were some of the provisions that went in to affect prior to 2014. Some of them include:

  • Children under age 19are guaranteed to be approved for health insurance, regardless of their medical status and without medical underwriting.
  • Children up to age 26 may stay under their parents' health policy.
  • Preventive care services have been standardized. These benefits are covered in full, without a co-pay or deductible according to the national guideline.

Health Care Reform: California and the Nation? Snap Shot?

California was the first states to agree and sign up to run an Exchange. Covered California is scheduled to open (as scheduled) October 1, 2013. Nationwide, a total of 19 states decided to create their own Exchange, 25 states defaulted to the Federal Exchange, and 7 are planning for a Partnership Exchange.


** Article submitted by CaliforniaExchangePlans.com
For additional information on how
Healthcare Reform will affect different people, click The Pros and Cons of Health Care Reform on their website.

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Disclaimer: The above information is presented for educational purposes only. Statements have not been evaluated by the FDA. Products mentioned are not intended or effective for the treatment or prevention of any disease. Consult your physician for all your health needs.

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