Question: I have a high deductible PPO plan with Blue Shield. My coverage renews in June every year. Will I have to change to a Covered California plan in the middle of the plan year?
Answer: A recent ruling on the Essential Health Benefit (EHB) says that the EHB requirements will apply to individual plans on a plan year basis, not on January 1, 2014. So if you feel there is a disadvantage to making benefit and policy changes mid plan-year, you can wait until June 2014 to change.