Health Care Reform makes it easy to find health insurance you can afford to get the care you need. You can still get health insurance through your work if your employer offers insurance. But if you can’t get insurance this way, there are easy ways to get health insurance for yourself or your entire family.
Medi-Cal: Medi-Cal is California’s Medicaid program that’s been around for a long time. But in the past, only children, pregnant women, and a few other types of people could get Medi-Cal coverage. Now, Medi-Cal is open to legal residents who earn less than 138% of the Federal Poverty Level. So to qualify for Medi-Cal, you need to earn less than about $16,105 as a single person or $27,311 as a three-person family.
All undocumented children will be eligible for full-scope Medi-Cal in Spring 2016 thanks to passing of Senate Bill-4. In addition, all pregnant women with incomes up to 138% are now eligible for full scope Medi-Cal. The Medi-Cal Access Program covers pregnancies for women with incomes over 138% of FPL up to 300% of FPL, as does Covered California.
Ask your CaliforniaHealth+ center to help you enroll in Medi-Cal if you qualify! Enrollment into Medi-Cal occurs year-round.
Covered California: Covered California is a new marketplace to find affordable health insurance. You can compare different insurance plans and choose the one that fits you best. So if you don’t qualify for Medi-Cal and don’t have health insurance through work, you’ll be able to find affordable insurance through Covered California!
The federal government can also help you buy health insurance through Covered California. If you earn between 139% - 400% of the Federal Poverty Level, you’ll qualify for a subsidy to help pay for your insurance. It is extremely important; however, that you update your income information frequently and file your income taxes each year or you can be at risk of losing your eligibility for subsidies.
Covered California includes different health and dental insurance plans for the marketplace. It is highly recommended that you enroll and renew your health insurance plan during the current Open enrollment period, November 1, 2015 to January 31, 2015. Otherwise, you must have a qualifying life event to enroll/renew outside of the enrollment period.
If you think you qualify for Covered California, ask your CaliforniaHealth+ center to help you find an affordable plan that works for you and get enrolled!
Click here to use the Covered California Shop & Compare Tool to see if you qualify for a subsidy to help pay for your insurance.
Remember, avoiding health insurance is never a good idea! Not only does it protect you from large bills during unpredictable medical visits, it also ensures that you will not get charged a tax penalty. Currently, all lawfully present Californians are required to be enrolled in health insurance. Those who opt out of health insurance may be subject to a tax penalty worth $695 per person in a household or 2.5% of their income, whichever is greater. The individual tax penalty has increased every year and will increase once again in 2016!
How Do I Find Access + Care?
Find a CaliforniaHealth+ Center Near You
- The CaliforniaHealth+ Center locator tool helps you find a health care provider near you.
- The Chronicles project honors the history of health centers and helps health centers tell their own unique stories.
What is Covered California?
- Covered California is the new marketplace for affordable, private health insurance.
Covered California Fact Sheets (English, Arabic, Armenian, Chinese, Farsi, Hmong, Khmer, Korean, Lao, Russian, Spanish, Tagalog, Vietnamese)
- Learn more about Covered California, in multiple languages.
- Learn about the health plans that are offered in the Covered California marketplace.
- Learn about common qualifying life events for special enrollment that apply year-round.
How Can I Enroll?
- Find a CaliforniaHealth+ Center near you that offers in-person enrollment assistance.
- Create an account with Covered California to apply for and enroll in health insurance for you and your family.
- Learn how to use the Covered California web site and tools.
- Watch Welcome to Answers to learn more about Covered California and how to find affordable care.
- Use this tool to estimate the cost of your health insurance.
- Learn how to apply for Medi-Cal.
- Learn about the basics of your coverage.
- Learn about the essential health benefits that all plans must include.
Tell Me More About Health Care Reform
- The California HealthCare Foundation (CHCF) Center for Health Reporting answers your questions about Obamacare.
- This site from Covered California gives definitions for words and terms related to health insurance and Health Care Reform.
- The U.S. Department of Health & Human Services (DHHS) gives you an alphabetical and searchable list of word and terms related to health insurance and Health Care Reform.
- This site from U.S. Department of Health & Human Services (DHHS) provides information to help you take health care into your own hands and learn about Health Care Reform.
- This site from the U.S. Department of Health & Human Services (DHHS) gives you information to help you and your loved ones stay healthy.
- The Kaiser Family Foundation answers frequently asked questions about Health Care Reform.
- Test your understanding of Health Care Reform with this quiz from the Kaiser Family Foundation.
How Health Care Reform Benefits You (English, Spanish, Korean, Tagalog, Khmer, Chinese, Thai, Vietnamese, Hmong, Lao)
- The California Pan-Ethnic Health Network (CPEHN) provides translated fact sheets and other resources about the Affordable Care Act (ACA).
- The Affordable Care Act (ACA) puts in place strong consumer protections, provides new coverage options, and gives you tools to make informed choices about your health. Learn about how the law affects you.
- Run by The California Endowment (TCE), WEConnect helps families learn and connect to important programs that are available to them and may help them lead healthier, more financially secure lives.