Question: My insurance company is terminating my coverage as of 12/31/2013. This means that my family will now have to seek coverage through the Exchange. How will I find non HMO/capitation insurance? I do not want to forced into non-private insurance. How will I find an insurance company I can afford without being forced into a welfare clinic type service plan.
Answer: If you earn less than $31,810 for a family of four, you will be eligible for free public insurance coverage under Medi-Cal. Otherwise, you will be able to buy the same high- quality health insurance from Covered California that is available on the private market today. You will not be forced to choose an HMO type plan (Covered California Copay Plan) if you prefer a Coinsurance Plan. Covered California is the only place where you can use tax credits or cost-sharing subsidies from government assistance programs to lower your health care costs. If you are not eligible for free public insurance or federally subsidized health insurance in Covered California, you can purchase the health insurance of your choice in the non-exchange marketplace.