Open Enrollment is here! Here's What you Need to Know
I’m writing this newsletter to solely provide my constituents with all the necessary information available to enroll in individual health insurance coverage for the upcoming year. Despite what’s come out of Washington, D.C., Covered California’s open-enrollment period starts on November 1st and continues through January 31, 2018. If you, your family members or friends do not receive health insurance through your employer, you can sign up during this time period.
Covered California is the only insurance marketplace in California where eligible consumers can receive financial assistance to help pay for their health insurance. According to federal law outlined in the Affordable Care Act, if your annual income is between $16,643 and $48,240 for an individual, or between $33,948 and $98,400 for a family of four (138% and 400% of the Federal Poverty Line) you will qualify for federal tax credits to help you afford your health insurance coverage. In practical terms, with this help over 1.1 million Californians – many of your neighbors, friends and family – are paying on average $115 per month to get coverage that has a monthly premium of over $575, according to federal law outlined in the ACA. Financial help means that in 2018, nearly 60 percent of subsidy-eligible enrollees will have access to Silver Coverage for less than $100 per month (the same as it was in 2017) and 74 percent can purchase Bronze Coverage for less than $10 per month. This financial help is bringing coverage within reach for those who do not get the help from their employer or Medicare.
To sign up, you should call Covered California’s Service Center at (800) 300-1506. You can also apply online at www.CoveredCA.com, or have a certified enroller contact you through the ‘Help on Demand’ feature. If you have any questions, there is free, confidential assistance from one of the more than 20,000 certified agents and enrollers throughout California who stand ready to assist you, who you can find at http://www.coveredca.com/get-help/local/.
My Palo Alto office is also available to assist you at (650) 323-2984, although we are prohibited from directly enrolling individuals in health insurance plans. We will have pamphlets from CoveredCA available for your use in the office soon and can help you find free, confidential and expert help in our community.
Since the Affordable Care Act (ACA) was passed in 2010, over 5 million Californians have gained health insurance coverage, bringing our uninsured rate down the lowest level in history, according to Covered California. I’m committed to building on this progress to further reduce the number of uninsured constituents and provide them with affordable health insurance.
All my best,
Anna G. Eshoo