Individual and Family
Residents of most states can use either the federal government marketplace, or a non-government marketplace like eHealth.com to apply for Affordable Care Act (ACA) health insurance (also known as Obamacare). Regardless of where you purchase Obamacare policies, plan benefits and pricing will be identical.
In California, you can visit eHealth.com or at the state’s own health insurance marketplace, CoveredCA.com, to research and select ACA-compliant individual, family, and business health insurance policies. Covered California also provides a portal for Medi-Cal and qualified dental and vision coverage.
To qualify for Obamacare or Covered California plans, California residents must:
Several types of financial assistance that may dramatically reduce your cost are available with Covered California/ACA health insurance:
Qualifying for financial assistance is determined primarily by how your family’s modified adjusted gross income, or MAGI, compares to guidelines presented in the Federal Poverty Level Chart. For example, you may qualify for a premium subsidy if your income is between one and four times the federal poverty level for a similar-sized household. In addition to income, the purchaser’s age, household size and zip code are used to determine premium costs and subsidies. Covered California also has special rules for children, the disabled, and pregnant women. To learn more about ACA subsidies, click here.
California will accept applications for 2019 from October 15, 2018 to January 15, 2019 through CoveredCA.com, eHealth.com, or any other broker or insurer in the state. The state’s Open Enrollment Period is longer than the federal open enrollment period available to citizens in most other states. Medi-Cal applications are accepted at any time.
You may also apply for ACA plans at any time if you experience certain life events that will qualify you for a Special Enrollment Period. These qualifying life events include:
Loss of health coverage
Changes in household
Changes in residence
Other qualifying events
You can browse previous articles on Covered California Open Enrollment to learn more about the Open Enrollment Period.
eHealth offers the same plans and prices available at Covered California. We can help you apply for tax credits online and show you affordable alternatives that aren’t available through the official Covered California website. We also have a prescription drug tool that can help you identify a plan that offers the best prices for your medications. What’s more, our licensed agents are available to answer any questions you may have.
Get started today with our simple health insurance comparison and application tool.