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Enroll in Affordable Health Plans in Three Easy Steps!

01.

Tell us a bit about yourself

02.

Match with Plans that Fit Your Specific Needs

03.

Save Money by Finding the Right Coverage

Metallic Plan Benefits

When the Affordable Care Act (ACA) became law, health insurance plans were repackaged, and categorized into 4 metal tiers: Bronze, Silver, Gold and Platinum. Covered California took this a step further and streamlined all the plans they offered on-exchange, so they became a real “apples to apples” comparison.

Best For:
A healthy individual/family that does not have medical conditions, but wants insurance just in case something major happens

Features:

Free preventative care
First 3 office visits are a fixed copay (dollar amount) before deductible is reached
High deductible
Out-of-pocket maximum limit; which is the most you would pay in a calendar year if the worst happened.

Best For:
A healthy individual/family who want an affordable middle of the road Obama Care plan that offers reasonable copays for common services such office visits, lab work, and generic drugs

Features:

Free preventative care
Common services such as doctor visits, lab work, generic drugs, and emergency room visits for a set copay (dollar) amount without having to meet your deductible first.
Mid-range deductible for major services such as outpatient surgery, hospitalization, etc.
Out-of-pocket maximum limit; which is the most you would pay in a calendar year if the worst happened.

Best For:
A healthy individual/family that frequently uses medical services and/or wants an Obama Care plan without a deductible

Features:

Free preventative care
Copays (fixed dollar amounts) for medical services if you select the Gold 80 Copay plan, or coinsurance (a percentage of the medical costs) if you select the Gold 80 Coinsurance plan.
No deductible
Out-of-pocket maximum limit; which is the most you would pay in a calendar year if the worst happened.

Best For:
A healthy individual/family that frequently uses medical services, wants the best Obama Care plan available with the least out of pocket costs. Deductible: None

Features:

Free preventative care
Copays (fixed dollar amounts) for all medical services
No deductible
Lowest out-of-pocket maximum limit (most you would pay in a calendar year if the worst happened) available of all the Obama Care plans offered.

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Minimum Coverage Plan

Best For:
A healthy individual/family who is 30 years old or under, does not qualify for premium assistance, and whose main concern is affordability

Important to Note:
Government assistance (subsidies) cannot be applied in reducing the premiums for this plan. It is available only to those 30 and under as well as those who meet the hardship exemption.

Features:

Free preventative care
First 3 office visits are free
Highest deductible compared to the Bronze 60 or Silver 70
Highest out-of-pocket maximum limit (most you would pay in a calendar year if the worst happened) of all the Obama Care plans offered

Individual

For some, personal health insurance is the only way to meet ACA requirements. If you have the option of group health insurance, personal health insurance plans may still be the better option. It all comes down to which plan best meets your needs.

Benefits:

- More control: Individual plans allow you to choose from a wider plan selection than just the ones your employer presents to you. You can find a more customized solution that includes what you need and excludes what you don’t.

- Flexibility: Personal health insurance is not tied to your employment. This can be useful if you are concerned about job loss or changing positions. You can even use it to “close a gap” between an insufficient employer-provided plan and your healthcare needs.

- Choice of insurer: You can choose from more insurers with an individual plan. Some will have certain benefits, customer service offerings or pricing models that are more appealing to you.

Downsides:

- Higher costs: Often, a group plan is partially paid for by the employer and has lower premiums in the first place. Without these savings, individual plans can be slightly more expensive.

Family

California family health insurance is cheaper than most people think. The most popular
choice of affordable family health insurance in California is managed care plans. These types of plans give you access to a network of hospitals, doctors, clinics and specialists who provide medical services at affordable rates. For you, this means inexpensive insurance as well as lower premiums, coinsurance and copayments.

The two most common kinds of managed care plans in California are:

- PPOs (Preferred Provider Organization): PPO plans provide flexible medical coverage. You and your family will have a primary care physician, but you can see any specialist you want without a referral. However, you’ll save more money when you go to an in-network doctor than when you go to an out-of-network doctor.
- HMOs (Health Maintenance Organization): With HMO plans, you choose a primary
care physician who will be your go-to doctor whenever you need medical care. If you or your family needs specialist care, your primary doctor will refer you to a specialist.

Copayments in HMO plans can be as little as $10. The only disadvantage with HMO plans is
the fact that you can only receive care from doctors in your network plan because other services are not covered
outside the network.