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Affordable Care Act

The Affordable Care Act or ‘Obamacare’ in California is called ‘Covered California’ and it provides people with the opportunity to obtain health coverage at low prices based on certain income guidelines.

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To help you with the FREE qualification and application process that can take up to one hour,  please contact:

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DAVID ERNSTAM

Financial & Insurance Services

1512 Starr Drive, Suite C
Yuba City, California 95993
Tel. 530-751-1212
Fax  530-751-1299

email:  david@ernstam.com

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You can also sign up on your own:   https://www.coveredca.com

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Or you may find other ‘navigators’ or agents that can help you.

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Health insurance protects you from high, unexpected costs

 

The average cost of a 3-day hospital stay is $30,000. Fixing a broken leg can cost upwards of $7500. Having health coverage can help protect you from high, unexpected costs like these.

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Insurance coverage protects you from high medical costs in many ways:

  • Out-of-pocket maximum: This is the total amount you’ll have to pay if you get sick. For example, if your plan has a $3000 out-of-pocket maximum, once you pay $3000 in deductibles, coinsurance, and copayments the plan will pay for any covered care above that amount for the rest of the year.

  • Sharing of Costs for Care: Before you reach the out-of-pocket maximum, with insurance you only need to pay a small portion of the actual costs of care.

  • No yearly or lifetime limits: Health plans in the Marketplace can’t put dollar limits on how much they will spend each year or over your lifetime to cover essential health benefits. After you’ve reached your out-of-pocket maximum, your insurance company must pay for all of your covered medical care with no limit.

 

People without health coverage are exposed to these costs. This can sometimes lead people without coverage into deep debt or even into bankruptcy.

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Income Guidelines

 

Number of people in Household:      Annual Household income under:            Annual Household income between:

           1                                                         $15,860*                                             $15,860 – $45,960    

           2                                                         $21,400                                               $21,400 – $62,040

           3                                                         $26,950                                               $26,950 -- $78,120

           4                                                         $32,500                                               $32,500 -- $94,200

           5                                                         $38,050                                               $38,050 -- $110,2

 

 

 

 

 

You may be eligible for Medi-Cal.  You may be eligible for insurance with financial help from Covered California

  • *These annual household income amounts are approximate only.

  • Number of people in your household refers to the number of people you claim in your income tax return.

  • If you already have affordable insurance from your employer or a government program like Medicare of Medicaid, you will not be eligible for Covered California health insurance plans.

  • If you have children or are pregnant, you can have higher income and still qualify for free or low-cost insurance through Medi-Cal or AIM.

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Enrollment process is easy and you can choose the method that works best for you:

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  • Online at www.CoveredCA.com. Our website provides information about each health insurance plan, explained in clear and simple terms. You will know exactly what you pay and what you get before you buy.

  • By phone. Call the Covered California Customer Call Center at (888) 975-1142

  • In person. Covered California Certified Insurance Agents and Certified Enrollment Counselors are available in your community to provide expert advice and support. Find one by calling (888) 975-1142, or through http://www.CoveredCA.com.

  • By mail. Send application forms to:
    Covered California Service Center
    P.O. Box 3530
    Rancho Cordova, CA  95670-5667

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When you are ready to enroll, have the following:

 

  • Number of people being enrolled (whole or partial family), including the birth date of each person

  • Social security number(s) for each family member

  • Home ZIP code

  • Most recent income tax filings, including dependent tax information and head of household status (if any)

  • Legal immigration information, such as your immigration number

  • Information about your status as a member of a federally recognized tribe

 

If you have health insurance that offers the minimum essential benefits through your employer, or use Medicare or Medi-Cal, you should continue to use that. If you have insurance through your job, but your spouse or children are not covered through your employer’s plan, you may be eligible to use Covered California to get insurance for the rest of your family.

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