2021 California Health Insurance - Affordable Health Plans

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2021 California Health Insurance

Since you cannot go without health insurance during a time of crisis such as this, it is important to begin preparing for the open enrollment period in California. Having health insurance is an advantage, because you can get the care you or loved ones need. There are many kinds of medical insurance in the Golden State that you can choose from, based on your current situation.

Luckily, you do not have to scour the internet for details on every single provider. Now, you can easily compare California health plans from the popular insurance providers online.

To help you choose the best insurance provider, here is everything you need to know about California’s healthcare coverage plans:

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Types of Health Plans

According to the California Department of Insurance, there are numerous kinds of healthcare coverage, including things like health plans (HMOs), public programs, and individual and family health insurance. Each has unique rules, and various agencies regulate these programs.

Here is a brief introduction to some categories of healthcare coverage available in California:

Self-Insured Health Plans

This is not the same as insurance for the unemployed or self-employed. A self-insured plan refers to an employer who has pooled money to help pay for employee healthcare. The employer will call insurance companies for health benefits. However, you should know whether your employer is self-insured, because you may be ineligible for some benefits of other insurance policies.

Covered California

There are many marketplaces out there where you can compare the cost of California medical insurance that was created as part of the Affordable Care Act. The marketplace does more than offer federal programs. You can compare the cost of private plans and policies.

Health Maintenance Organizations/ Managed Care Plans

Different from a traditional policy, an HMO has different laws in California. HMOs and managed care plans can be selected as either individual/family plans or group. These policies are regulated by the Department of Managed Health Care (DMHC) in California. If you want to check out California’s Managed Care Plans, check the official website.

Similar to HMOs are EPOs and PPOs:
Select a single primary care doctor for you and your family (if necessary). The primary care physician handles basic care then will refer you to specialists. You must choose a physician within the HMO network or risk having to pay for care.
You will not need a primary care physician, but you will have limits on who you can and cannot see, since EPOs are not as popular. You do not need referrals, but if you go outside of the EPO network, you will have to pay—minus emergency room or urgent care visits.
A network of preferred providers that cost less to visit than those outside of the group. You can visit those who are not on the preferred list, but if you go out of network, you risk paying more.

Why You Should Have California Medical Insurance

After the healthcare reform in California, the law states that there is a bare minimum of benefits set for insurance policies. These are called “Essential Health Benefits (EHBs).” Any policies sold prior to 2014 have been “grandfathered,” or, in other words, are not required to provide the Essential Health Benefits. If you have a grandfathered insurance plan, now is the time to look into 2021 California open enrollment for your next policy.

The Essential Health Benefits are:

Health Insurance

There are two types of insurance policies, including group health insurance and individual/family insurance. A group policy is purchased by an organization or an employer. Depending on the policy, you may be able to add additional recipients, such as family, to the insurance. You may be required to pay a little more, however.

Individual health insurance and policies that cover your family are available outside of an association or employer during open enrollment periods. The policy will be given to whomever applies for the insurance.
You can buy California individual health plans among others through an insurance company, a licensed agent, through Covered California (mentioned below), or through website services that compare California health plans.

What You Need To Know About California Health Insurance

That you know a little more about health insurance in general, here are some important facts about California’s policies:

Following New Jersey, Rhode Island, Vermont, Washington D.C., and Massachusetts, California has recently enacted a new law that will fine you if you go uninsured. There are some exceptions to the rule, including those who are imprisoned, living abroad, or who are considered low-income.
If you are not covered during 2020 and owe a penalty, you may have to pay that during your 2021 tax returns. The amount is going to be an estimated $695. You must also pay half that price for every dependent child claimed on your tax return.

Unemployed, Part-Time, and Self-Employed

The state of California provides health insurance for unemployed individuals. This insurance is funded by an unemployment tax on businesses, regardless of their size. You can also check out Pandemic Unemployment Assistance (PUA) if you find you are not eligible for regular Unemployment Insurance (UI) enrollment.

Keep in mind that tax credits based on income are available. This may reduce your monthly premium significantly. Compare health insurance providers today to see what deals you can find.
There is currently no separate health insurance for self employed. Those who are self-employed can enroll in California individual health plans and may be allowed to deduct 100 percent during tax season. The same applies for those who are part-time and need additional coverage. When you go to receive a 2021 health insurance quote, be sure to factor in your employment as well. That may change the overall cost of the policy.

Differences Between 2020 Open Enrollment and 2021

If you plan on buying insurance through Covered California, changing or renewing your plan, then you may be concerned about the 2021 California Open Enrollment period. While open enrollment for 2020 health coverage has ended, California residents can continue to qualify for enrollment if they have faced certain life events or experienced changes to their existing coverage. You are also allowed to purchase insurance plans through private insurance agencies or through the federal marketplace. If you do not qualify for the special enrollment period but require coverage, consider searching for a short term health insurance policy.
2021 California Open Enrollment is available to those who plan on buying through the Covered California marketplace. Also, if you want to change or renew your policy or enter into a federal program, you will need to do this during open enrollment. You do not have to worry about open enrollment if you are on a short term health insurance plan or other exempt programs.

Be proactive and start looking at 2021 health insurance quotes today. Compare policies, benefits, and monthly or annual costs with AffordableHealthPlansUSA.com.

The open enrollment period is around the same time each year: October 15 to January 31.

Keep Yourself and Your Family Protected

You never know when an accident or illness will occur. Because you can never be too safe, you need California health insurance. Not only does having insurance to cover medical costs give you peace of mind, but it saves you from federal fines as well! Even if you missed open enrollment, you can still compare the cost of short term health insurance policies and get enrolled as soon as today!

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