The California health insurance landscape includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.
We offer free health insurance quotes for Obamacare individual insurance plans, and also provides access to short-term health insurance, small employer health plans, and Medicaid information.
California and the Affordable Care Act
When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, California elected to set up its own state marketplace, also known as the state exchange. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.
Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.
The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.
Medicaid expansion in California
California is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.
California Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.
Get free quotes on California health insurance plans from leading companies, and apply for health care coverage directly online.
California has a strong Health System, thanks to a strong Public Health funding and overall healthy lifestyle of its residents. When compared to the national average, California ranks as the 17th healthiest state, below the national average. One of the biggest assets this state offers is that overall, people feel healthier with time, which means that healthy lifestyles and preventive health measures keep Californians healthy.
One of the key aspects that this state needs to work on is Health Insurance coverage, because although Medical Care is highly accessible despite the state’s geographical disparity, a big chunk of its residents (almost 20%!) lack Health Insurance coverage. Overall, California can be an excellent home for your family, as long as you have Health Insurance or life insurance.