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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Consumer Benefits

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Question: What are the benefits for the consumer in the california insurance exchange?

Answer: Here are the main benefits for individuals in the Exchange One Stop Shopping: The Exchange will offer qualified health plans (QHPs) from most of the health insurance issuers in California at affordable rates. Guaranteed Issue: All health insurance will be required to cover anyone who applies regardless of health history or pre-existing conditions. Premium Subsidies: Federal premium subsidies or “advance tax credits” are financial payments graduated on income level to support the purchase of QHPs exclusively through the Exchange. Essential Health Benefits: All health plans will offer at least the standard set of defined Essential Health Benefits. Consumers will be able to compare coverage much easier than today.

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