Question: What will happen with members who are already enrolled in a policy, and the policy is offered in the Exchange? Example: Anthem will provide 4 medal type policies, and I currently am enrolled in a policy that is similar, but at a different rate. Will I automatically be enrolled into Covered California’s policy or will I have to apply with Covered California first and coordinate my termination of current policy, etc.?

Answer: The details are yet to be worked out, but here’s what you can likely expect. Covered California will work with the health plans to make it relatively seamless to switch from a pre-reform plan to a similar Exchange qualified plan through your existing carrier - (Anthem in your case) whether or not you qualify for a premium-subsidy. If you are open to a change of insurance carrier (other than Anthem), you can use your agent or a Covered California customer service rep to help you make a selection and submit your application through the Exchange.