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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.

QHP Evaluation Factors

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Question: How will the Exchange decide which carriers it will offer in Covered California?

Answer: The Covered California Evaluation Team will try to select a high-quality choice of QHPs at the best available price in every corner of California. The Exchange said that it will give greater consideration to proposed QHPs that promote the following:

  1. Affordability for the consumer and small employer - both in terms of premium and out-of-pocket expenses.
  2. “Value” competition based upon quality, service, and price.
  3. Competition based upon meaningful QHP choice and product differentiation.
  4. Competition throughout the state.
  5. Alignment with providers and delivery systems that serve the low-income population.
  6. Delivery system improvement, effective prevention programs and payment reform.
  7. Long-term partnerships between the Exchange and Health Insurance Issuers.

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