How will the ACA "Affordable
Care Act" Affect California?
contributed by CaliforniaExchangePlans.com
How to be Ready for the California Exchange!
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
Dates: October 1, 2013-Mark Your Calendar
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.
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.
any of the ACA Mandates already taken affect?
Where are we at in California with the ACA?
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:
under age 19are guaranteed to be approved
for health insurance, regardless of their
medical status and without medical underwriting.
up to age 26 may stay under their parents'
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?
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.
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
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or effective for the treatment or prevention
of any disease. Consult your physician for all
your health needs.
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