What Changes Can You Expect In 2014?
- Old plans will remain the same.
- New plans will be federally regulated to make sure that a minimum number of benefits are being offered, as well as allowing for new consumer protections and an appeals process for individual health insurance consumers who want to dispute something their insurance company has done.
- Individuals who make between 100% and 400% of the federal poverty level are eligible to receive credits that will assist them in buying individual health insurance from the exchanges.
- For the very poorest people the credits may cover all of their health care premiums
- Businesses with more than 50 employees will be forced to offer health care, or pay a fee of $750 per employee. Businesses of less than 50 people are exempt from this law.
Covered California Market Place
In 2010, the federal government approved a law — the Patient Protection and Affordable Care Act (Affordable Care Act) — to increase the number of Americans with health insurance and cut the cost of health care.
Covered California was created to develop an easy-to-use marketplace where most Californians can get health coverage that cannot be denied by health insurance companies or canceled if they are sick or have a pre-existing health condition, such as asthma or diabetes.
By 2014, about 2.6 million Californians will be able to access financial assistance through Covered California to pay for their health insurance, and 1.4 million will be newly eligible for Medi-Cal. An additional 2.7 million will benefit from coverage that is guaranteed whether they buy an insurance plan through Covered California or on their own. All health insurance plans purchased through Covered California must cover certain services called essential health benefits. These include doctor visits, hospital stays, emergency care, maternity care, children’s care, prescriptions, medical tests and mental health care.
Covered California Health insurance plans also must cover preventive care services, like mammograms and colonoscopies,for free. All plans being sold in the Covered California marketplace, as well as those sold outside it, will be required to include these benefits.