Pre-65 Health Insurance

If you're under the age of 65, not eligible for Medicare due to disability and need health insurance, there are 3 basic options available to you: An individual health plan purchased through Covered California, a similar plan purchased direct from an insurance company, or coverage offered by an employer. Give me a call or schedule an appointment for help understanding your options and getting enrolled. 

On-Exchange Plans (Covered California)

Covered California is a free service that connects Californians with brand-name health insurance under the Patient Protection and Affordable Care Act. It’s the only place where you can get financial help when you buy individual health insurance from well-known companies in California. That means when you apply, you may qualify for a discount on a health plan through Covered California, or get health insurance through the state’s Medi-Cal program. 

Off-Exchange Plans
If you don’t qualify for a subsidy you can still purchase health insurance through Covered California. You also have the option to purchase a plan direct from a carrier. You may have some additional options when purchasing a plan direct. An agent can help you through this process. 

Employer Sponsored Plans
If you still work and your employer offers benefits you should review those benefits. If the offer is considered "affordable", as defined by the government, you won't be eligible for financial help through Covered California.  When your coverage comes through a spouse's employer, your spouse must continue coverage in order for you to keep it as well. You may also have the option of purchasing coverage through Covered California if the cost of coverage through your spouse's employer is too expensive. Give me a call or schedule an appointment if this option seems too expensive.

 We're here to help you through the confusion. Contact me today!