Health Coverage Fact Sheet
The Affordable Care Act makes health coverage more affordable and emphasizes preventive care. California is has expanded health care access through no-cost and low cost health insurance through Medi-Cal and Covered California and shifting the health care system towards prevention to help people stay healthy.
Here’s what Californians need to know:
- If you or your families household income is below 138% of the federal poverty level, you may qualify for Medi-Cal, free or low-cost health coverage.
- If you don’t have insurance through your employer and do not qualify for Medi-Cal, Covered California will help you find the right plan for you and your family. Financial help is available for those who qualify to make health coverage more affordable for many Californians. Visit Covered California for more info.
- If you’re under the age of 26, you can stay on your parents’ health plan – even if you’re married or don’t live with them.
- Free preventive services, such as basic checkups, vaccinations and life-saving cancer screenings, is available to insured Californians, no matter what medical plan they have. Many new preventive services are now considered essential, including birth control, mammograms, and cervical cancer screenings.
- Everyone is required to renew at least once a year. If you’re enrolled in Medi-Cal, you renew the month you originally enrolled. If you have a plan through Covered California, you need to renew during Open Enrollment.
- You must provide household tax information to see if you still qualify.
- For Medi-Cal, submit your paper forms to your county human services agency in order to continue coverage.
- Know that you have the right to an interpreter service provided by the county at no cost to you.
Obamacare’s Impact in California: By the Numbers
- Nearly 2 million Californians have enrolled in plans through Covered California, and many of those have received financial assistance to buy insurance for as little as $100 a month.
- More than 3 million Californians have enrolled in low- or no-cost coverage through Medi-Cal.
- Over 435,000 young adults gained insurance coverage through the requirement that health plans allow parents to keep children under the age of 26 on their family plans.
- Over 1.4 million Californians with private insurance coverage received over $65 million in rebates in 2012, due to the law’s requirement that health insurance companies spend at least 80 cents on the dollar on actual care.
- ALL Californians enrolled in coverage through Covered California plans or Medi-Cal benefit from a ban on annual and lifetime limits on coverage costs.
Obamacare is also providing new opportunities for businesses to improve health care for their employees. Find out more at Health Law Guide For Business.