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Covered California Health Insurance Quotes
Complete the form on the right and get California health insurance quotes and also see if you qualify for tax subsidies.
Note. You may obtain quotes now, however, please note that Individual and family applications are accepted only at open enrollment periods unless you have a qualifying event or are eligible for Medi-Cal. Small business applications are accepted year-round.
What Determines My Rates
Health insurance rates are based on your age, where you live, and what health plan you choose. For individual and family plans, even bigger factors are your household income and your family size. These determine your eligibility for tax subsidies, which help reduce your rates, as well as the cost for medical services. If your income falls below 400% of the Federal Poverty Level (“FPL”), you may qualify for tax credits. And if it s below 250% of the federal poverty level, you may also qualify for lower cost sharing.
How to Get the Most Affordable Rates. Go Bronze or Go Catastrophic!
The cheapest California health insurance quotes will be for “Bronze” and catastrophic plans. The bronze plans will be a good consideration for people who don’t require frequent services; they will offer the highest deductible but also the most economical California health insurance rates.
In addition, California medical insurance quotes will also be available for catastrophic plans. These particular plans will be open only to those who are under 30 years of age, and to people who are unable to buy insurance due to a financial hardship.
Will I qualify for a government subsidy?
People whose family gross income is no more than 400% of the Federal Poverty Level (“FPL”) may qualify for tax credits from the government, and some may also qualify for lower service charges for office visits and other medical services. To calculate your subsidy fill out the form to the right to get a quote.
Will my business qualify for a tax credit?
Groups of 24 or fewer employees may qualify for a small business tax credit. The credit is 50% (35% for non-profits). To be eligible for the Small Business Tax Credit, the company’s employees must earn an annual average wage of less than $50,000 and the employer must pay at least half of the employee-only premium. Coverage must be obtained through the Covered California SHOP program in order to be eligible. Click Small Business Health Care Tax Credit for a step-by-step guide to see if your company qualifies.