There's one important thing to keep in mind, though -- you can only receive a federal subsidy if you go through a government exchange (Healthcare.gov or your state's exchange), licensed agents with the proper certification, or qualified online insurance marketplaces partnering with a government exchange (click here to see which online sites qualify).
At eHealthInsurance, we offer a broad selection of California health plans from leading insurance companies. We allow you to compare plans side by side, read customer reviews, apply for coverage online and get personal help from licensed agents. Use the links below to learn about your California health insurance options, what health reform means for California residents and the tax benefits available when you buy coverage for yourself, your family or your small business.
SB10 – This bill was introduced in 2015 and was signed into law by Gov. Brown in June 2016. It would have allowed undocumented immigrants to purchase unsubsidized coverage in the exchange, but the state needed a waiver from HHS in order to implement the law (the ACA does not allow undocumented immigrants to purchase coverage in any state’s exchange, even if they pay full price). California submitted a waiver proposal to HHS, but ultimately withdrew the waiver two days prior to President Trump’s inauguration. California State Senator Ricardo Lara (D, Bell Gardens) had introduced and championed SB10, but he requested that the waiver proposal be withdrawn (and Gov. Brown agreed) because the state was concerned that the Trump Administration could use information from the exchange to deport undocumented immigrants.
Under the Affordable Care Act, 34 states and Washington, D.C., expanded Medicaid eligibility to many low-income adults, including adults without dependent children. Three other states (Idaho, Nebraska, and Utah) will vote by ballot initiative on the Medicaid expansion this November, while 14 other states have chosen not to expand Medicaid under the law. In states that expanded Medicaid, you may qualify for Medicaid if you earn $16,753 a year as a single individual or $28,676 for a family of three, while other family sizes can qualify at higher incomes. In states that did not expand, non-disabled adults who are parents with very low income will qualify (the eligibility levels vary by state). Regardless of your state’s decision on expanding Medicaid, children are eligible for Medicaid or the Children’s Health Insurance Program (CHIP) if their family income is about $40,000 (for a family of three), or more in some states. If you live in a state that did not expand Medicaid and you cannot find affordable coverage, you could be exempt from paying a penalty for not having coverage.
When you purchase a health insurance plan in Pennsylvania, you can also add your spouse and children to the policy, which will increase your premiums with each person covered. The cost of coverage for spouses and children over the age of 14 is determined by the age of the person being insured. Children ages 14 and younger can be added to your health insurance plan for a cheaper, flat rate.
You'll have plenty of options when choosing a group dental plan for your small business. Most group dental plans include free cleanings and regular checkups. As always, there is no extra cost for buying group dental insurance through eHealth instead of directly through the insurer. You'll have the flexibility to compare a wide selection of dental plans from various insurers.
No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.