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California Health Benefit Exchange

http://coveredca.com  http://www.healthexchange.ca.gov
The vision of the California Health Benefit Exchange is to improve the health of all Californians by assuring their access to affordable, high quality care. The mission of the California Health Benefit Exchange is to increase the number of insured Californians, improve health care quality, lower costs, and reduce health disparities through an innovative, competitive marketplace that empowers consumers to choose the health plan and providers that give them the best value

Millions of Californians will be able to choose affordable, high-quality health insurance coverage offered through Covered CaliforniaCovered CaliforniaCovered California is the marketplace that will connect Californians to accessible, high-quality health coverage.™ that will take effect January 2014.

 

Covered California is a new, easy-to-use marketplace where you and your family may get financial assistance to make coverage more affordable and where you will be able to compare and choose health coverage that best fits your needs and budget. By law, your coverage can't be dropped or denied even if you have a pre-existing medical conditionPre-existing Medical ConditionAny illness or condition a patient has prior to obtaining insurance. or get sick.


You may have thought you couldn't afford health insurance, but Covered California will provide the tools for you to shop for health insurance that meets your health care needs and financial realities. The federal law called the Patient Protection and Affordable Care ActAffordable Care ActEnacted in March 2010, the federal Patient Protection and Affordable Care Act, commonly referred to as "Obamacare," provides the framework, policies, regulations and guidelines for implementation of comprehensive health care reform by the states.



The Affordable Care Act will expand access to high-quality affordable insurance and health care. provides a number of ways for individuals and employers to help make coverage more affordable. For individuals, financial assistance is available on a sliding scale, with more support for those who earn less. Covered California will help you determine if you qualify for these types of assistance programs.

 

 

Covered California is a part of the State of California and was created to help you and your family get health coverage to protect yourself and your loved ones. Having insurance is an important way to stay healthy and to pay for health care if you get sick or injured. Health insurance can not only assure your access to care to keep your body healthy, it also protects your peace of mind – you can rest assured that you will have help when you need it most.


http://coveredca.com
http://www.healthexchange.ca.gov

Starting in 2014, the California Health Benefit Exchange will make it easier for individuals and small businesses to compare plans and buy health insurance on the private market.

The Exchange will enhance competition and provide the same advantages available to large employer groups by organizing the private insurance market, including a more stable risk pool, greater purchasing power, more competition among insurers and detailed information regarding about the price, quality and service of health coverage.

The Exchange will support consumer choice by making comprehensive information about health plans available in an objective, easy-to-understand format, including:


  • a website that provides standardized comparison information on qualified health plan benefit plans/options
  • a calculator for applicants to compare costs across plan options
  • a web-based eligibility portal to help link individuals to health coverage options available to them
  • a toll-free consumer assistance hotline

 

 

Eligibility

Individuals and small employers meeting federal citizenship requirements may enroll in the exchange. Federal health care reform makes tax credits and subsidies available in 2014 to Californians with incomes between 133 and 400 percent of the federal poverty level (in 2010, approximately $29,000 to $88,000 for a family of four). The Exchange will ensure that Californians eligible for federally-authorized tax credits and subsidies get those benefits. Small employers with less than 50 employees may also purchase coverage through the exchange.

Covered California is committed to ensuring that Californians are aware of their health coverage options. Through Covered California, you will be able to get financial assistance, compare a range of health plans and choose the right one for you. We will provide information in a range of languages and in culturally relevant ways.

 

http://coveredca.com
http://www.healthexchange.ca.gov

Covered California is conducting a marketing, outreach and educational program to help raise awareness about the new opportunities for Californians to get covered. To reach as many people as possible, Covered California will be working with a number of different partner groups to help with these educational efforts. Their expertise in reaching out and educating groups and individuals statewide will help Covered California connect with millions of uninsured Californians and transform the health insurance marketplace.