PD Editorial: It’s time to join California’s health insurance program

Think you, your friends, or your relatives can’t afford decent health insurance in California? You’re most likely wrong.

More than 1 million uninsured Californians are eligible for low-cost or no-cost coverage through Covered California or Medi-Cal. Additionally, many middle-income Californians with their own health insurance can save thousands of dollars by considering a Covered California Plan.

Eligible California is our state version of “Obamacare,” health insurance provided through the Patient Protection and Affordable Care Act passed during the Obama administration.

One thing Californians should keep in mind is that health insurance is not an option here. Added. This means that most Californians are required to have health insurance that complies with federal standards. Otherwise, some people may be exempt but face financial penalties.

We’re covering all of this as the 2023 Open Enrollment for Healthcare Insurance kicks off this week.

Statewide, approximately 1.7 million people have health insurance in California, and nearly 90% of those have full or partial subsidized premiums. Participants are of all ages, races and ethnicities. More than 24,000 Sonoma County residents are participating. Total enrollment in North Bay County he has over 59,000.

Premiums will increase by about 6% on average next year, while subsidies are also increasing to keep the additional costs down. Of the over 1 million uninsured Californians who are eligible for financial assistance, approximately 55% could not pay anything to get health insurance through Covered California or Medi-Cal . In fact, her two-thirds of current participants are eligible for comprehensive coverage for less than $10 a month.

Meanwhile, new IRS rules will make more working families eligible for subsidies next year. Visit CoveredCA.com to see if you are eligible, to see if you are eligible for a grant, and to compare plans. You will be asked for your household income, postal code, number of people in your household, number of people who need compensation, and age.

Alternatively, we can arrange for a licensed insurance agent to call you back within 15 minutes to discuss your options. Calls are confidential and free of charge. Many consumers, especially first-time registrants, go this route. You can also call Covered California at (800) 300-1506, or contact a registered counselor or county assistance center.

Covered California reduced the state’s uninsured rate by 10 percentage points in just 10 years. In 2013, 17% of her Californians had no health insurance.

But more important than impersonal statistics is the actual peace of mind that good health insurance provides. That is, the knowledge that you can seek medical care without worrying too much about how you will pay for it.

Going without health insurance is a gamble hardly worth taking. Especially when Covered California is an affordable option on the table.

You can send a letter to the editor letters@pressdemocrat.com.

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