If you don’t have access to an Employer Group plan and are under 65 and don’t have Medicare, then you must purchase an Individual health plan. Since 2013 it has become mandatory for all individuals to be insured or you could incur a penalty if you don’t have coverage. We are here to help you with your choices. We are a Certified Covered California Agent and can help navigate this process. It can get very confusing these days.
We write business for all plans available on and off exchange. On-exchange means that we place your business through Covered California because of specific reasons, but most often it’s because you qualify for a subsidy, or financial assistance from the state and federal government. This is based on household income, which we can help you determine what that amount comes up to. Many people qualify for a subsidy and don’t realize it, so please check in with us before assuming anything.
Our services are always free, so feel free to give us a call. We will be happy to help you!