Question: Will everyone in California have to use the Exchange to purchase health insurance?
Answer: The core population of Californians who will be using the California Health Benefit Exchange will be modest income individuals and small, low-wage employers. These individuals and employers must participate in the Exchange to receive tax credits (subsidies). Individuals are not eligible for tax credits if they are eligible for affordable employer coverage, or for Medi-Cal or Medicare. Any individual or employer with less than 100 employees may voluntarily participate in the Exchange.