Health Insurance Marketplace in California

Buying your own health insurance can be confusing. Residents may have many options when it comes to buying a health policy for themselves and their families. Luckily, HealthMarkets is here to help you navigate the health insurance marketplace and get you enrolled—at no cost to you!

Over 1.4 million Californians enrolled in a Covered California health insurance plan in 2020, with 85% of them qualifying for tax credits that helped lower the cost of premiums. In that same year, 1,254,947 Californians were eligible for state subsidies that lowered premiums even further.¹ Individuals in California making up to 600% of the Federal Poverty Level (FPL) are now eligible for premium subsidies.²

Don’t miss the California Open Enrollment Period which usually runs from November 1 to January 31 each year. HealthMarkets is ready to help you make the best choices when shopping the health insurance marketplace. We can help by:

• Searching through thousands of plans for you
• Providing guidance on available options, so you can decide
• Providing immediate, free quotes
• Walking you through the application process

Choices in Health Insurance Marketplace – California

California residents can choose from insurance companies recognized nationwide. We can help guide you through the available options, plan types, deductible amounts, premium payments, out-of-pocket limits, and other important factors that will determine how well-suited your plan is for your family’s needs.

The plan you choose should cover the level of care you need, particularly if you suffer from a chronic condition such as arthritis, asthma, or diabetes. Buying a high deductible policy may not fit you in this case, since the deductible must be met before certain benefits are allowed.

Alternatively, young, healthy people who rarely go to the doctor may not need more than what is offered by a high deductible health insurance plan. HealthMarkets can help you determine your needs and find a policy that is the right fit for you.

Off-Market Options Are Also Available

Federal regulations have changed the rules for alternative health insurance policies that are not ACA-qualified and therefore aren’t included on national or state exchanges.³ Explore your options today to discover the feasibility of a lower-cost, less-comprehensive health plan and receive recommendations that fit your needs and your budget.

Ready to shop for quality insurance the easy way? Get quotes online or call a licensed health insurance agent  today at (800) 360-1402.

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References:
1. Kaiser Family Foundation. 2020. Retrieved from https://www.kff.org/other/state-indicator/effectuated-marketplace-enrollment-and-financial-assistance/. | 2. Covered California. March 26, 2021. Retrieved from https://www.coveredca.com/pdfs/FPL-chart.pdf. | 3. NAIC. April 17, 2020. Retrieved from https://content.naic.org/cipr_topics/topic_short_term_limitedduration_health_plans.htm