It's now open enrollment for Covered CA healthcare plans
RIVERSIDE – It is now open enrollment for Covered California, and residents can sign up for free or lost-cost health insurance from now until January 31, 2022.
Whether you’re renewing your plan or enrolling for the first time, head to California Health Insurance Plans | Health for California before the end of January.
Additionally, the American Rescue Plan increased subsidies, therefore reducing healthcare costs for low-income Americans and protecting those without employer coverage from paying more than 8.5% of their income on health insurance premiums. Moving forward, in 2022, 94% of Californians will also have at least two choices for their Covered CA insurance and be in control of their health insurance.
Read below for more information on open enrollment to see if it is right for you. For help understanding your Covered CA enrollment and plan changes, contact our ICLS Health Team for free legal assistance.
Will I get financial help?
The American Rescue Plan is making health insurance more affordable, and Covered CA is the only place for these savings. Many people with higher incomes now qualify for this financial help and those with lower incomes will get more savings than before. It’s important to note that these savings will only last through 2022.
What are my health plan options?
Covered CA insurance has a four-tier plan. They have different services and premiums, but all plans have great benefits. The plans are the following:
- Bronze Plan: This plan has 60% coverage, the lowest monthly premium, and the highest out-of-pocket cost when you receive care. It also covers free preventative care, free children’s dental and vision, coverage for pre-existing conditions, and the first three non-preventative doctor visits will not be subject to a deductible. This plan may be best for individuals who do not go to the doctor often, but want insurance for emergencies.
- Silver Plan: This plan offers 70 to 94% coverage, lower premiums, and moderate out-of-pocket costs. It also includes coverage for pre-existing conditions, free preventative care, and free children’s dental and vision. This may be your best option if you go to the doctor or need medicine subscriptions regularly.
- Gold Plan: This plan includes 80% coverage, higher premiums, and lower out-of-pocket costs. It also offers coverage for pre-existing conditions, free preventative care, free children’s dental and vision, and $0 deductibles. You can count on no surprises and no deductibles.
- Platinum Plan: This plan has 90% coverage, the highest premiums, and the lowest out-of-pocket costs when you receive care. It also includes coverage for pre-existing conditions, free preventative care, free children’s dental and vision, and no limits on what your plan pays for covered services. This may be best for you if you want no deductibles and the lowest prices on services.