AffordableCareCalifornia.org - We Have California Covered!
AffordableCareCalifornia.org is a safe and simple destination that connects Californians with insurance companies and their agents.
How do we do this?
While some websites only offer plans from either the government or directly through the insurance companies themselves, our partnerships and technological expertise enables us to access nearly every single health plan under the sun.
With AffordableCareCalifornia.org, all of your health insurance options are in one place. However, instead of overloading you, we only present you with the best plans and at the lowest rates possible -- all based on the information you provide us and your unique needs.
To begin, all you have to do is:
- Enter your zip code.
- Tell us about yourself and your needs.
- Compare the best health plans for you and enroll!
At AffordableCareCalifornia.org, we pride ourselves in making the process as easy as possible. And if you need help, just dial 855-597-0385 to speak with one of our qualified health insurance agents.
What You Need to Know About the Affordable Care Act
The Affordable Care Act can seem very confusing.
The good news is that AffordableCareCalifornia.org is here to make sure that doesn't stop you from what is important: getting covered!
What you need to know is that there are basically two types of coverage: Marketplace Plans (regulated by the ACA) and Short Term Plans (offered by private insurers).
Marketplace Plans Plans are available to virtually everyone and are designed to be affordable. You also cannot be denied for having preexisting conditions.
The amount you pay is impacted by your income and how many people live in your household. If you meet certain income guidelines, your rate is lowered by a credit to your premium, known as a "Subsidy" from the government. Generally, the less your household income, the less you have to pay.
So what is the catch? You have to have coverage or you will be fined during tax time. Even if you signed up for coverage last year, you have to sign up again now.
As part of the quote process, AffordableCareCalifornia.org helps determine your subsidy eligibility, making sure you get the best rate possible. Learn more about Marketplace Plans and subsides here.
Please keep in mind that Marketplace Plans are easiest to get During Open Enrollment. The current Open Enrollment Period is from November 1, 2016 to January 31, 2017.
Important: If you apply by December 15, 2016, your coverage will start on January 1st, 2017. If you apply after December 15, you will have to wait until February or March for your coverage to be active.
It is possible to get a Marketplace Plan After Open Enrollment. However, you need to have what is known as a "Qualifying Life Event" - such as a loss in coverage, a job change, marriage/divorce, birth of a child, etc. - to be eligible to enroll. Learn more about Qualifying Life Events here.
If it is After Open Enrollment and you do not have a Qualifying Life Event, you can still enroll in a Short Term Plan to keep you covered until the next enrollment period. Short Terms Plans differ in coverage than Marketplace Plans. Learn more about them here.
If all of this information still seems confusing, don't worry, AffordableCareCalifornia.org is here to help! Just tell us about yourself and we will figure out your eligibility and match you to the right plan types.