Custom Insurance

Personal & Business Insurance in Southern California

Health Care Reform: What you need to know.

California Health Care Reform

Welcome back to the Custom Insurance blog. This week we are talking about California Health Care Reform: What you need to know!

Who are California’s Uninsured Population?
(By Ethnicity)
Who Are California's Uninsured Population?

2015 Annual Open Enrollment Period

  • Under CA law, the 2015 annual open enrollment period is October 15th– December 7th, 2014.
  • Under Federal law, the 2015 annual open enrollment is defined as November 15th, 2014 – February 15th, 2015.
  • CA legislation is pending to make the CA open enrollment dates consistent with Federal.

Important information about Open Enrollment: One can only get health insurance during the open enrollment dates. After the open enrollment period you must meet these qualifying events to get coverage before the next open enrollment period.

  • Loss of Essential Health Coverage: If you lose, or have one of your dependents lose health coverage that meets minimum government standards. Voluntarily quitting other health coverage or being terminated for not paying your premiums is not considered loss of coverage.
  • Change of Family Structure: If you gain a dependent or become a dependent because of a marriage, death in the family, birth or adoption of a child.
  • Change Citizenship Status: If you become a U.S. citizen, national, or gain lawful status in the U.S.
  • Experience Government Error: If you lose, change or enroll in coverage because of an error committed by an officer, employee or agent of the Exchange or the Department of Health and Human Services as determined by the Exchange.
  • Change Subsidy Eligibility: If you are determined newly eligible or newly ineligible for subsidies (advance payments of the premium tax credit or cost sharing reductions). Call for details.
  • Move to a New Coverage Area: If you permanently move to a new area and gain access to new qualified health plans.

2014 Federal Poverty Guidelines

This chart will let you know if you can qualify for Medi-cal or Subsidy under the ACA.

Federally facilitated marketplaces will use the 2014 guidelines to determine
eligibility for Medicaid and CHIP (this is effective February 10, 2014).

2014 Federal Poverty Guidelines

I want to help you understand these important Health Care Reform details. If you have any questions, please ask in the comments by click on the title of the post and scrolling to the comment section below. Until next week!

Author: Loren L.

Born and raised in Palos Verdes, California. I am the youngest of 4. I am a single mother, raising 2 daughters. I am very active in volunteering, raising money for Wounded Warriors, supporting our troops. I also volunteer at the orthopedic hospital. I graduated from Pepperdine University in 1986, with a B.A. in Industrial Organizational Psychology. My graduation goal was to work with a large company and handle all of the human resources needs. In recent years, I have been going to companies and helping them install employee benefits. 27 years of experience in the industry serving the South Bay, California. I am a broker and I represent all of the best companies and I will help fit your needs in the areas of: Life, Auto, Business, Home Owners, Liability, Individual and Group Health Insurance, Annuities, and Long Term Care Insurance. My philosophy is, "No family left behind."

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