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Covered California News & Commentary

Topics of interest to both consumers and agents related to Covered California and the ACA biased in favor of the successful implementation of the Exchange and deliberately apolitical.


November 2012 Archives


HHS released 5 new ACA regulations last week. Most are for the new state exchange - Covered California. These are tweaks to existing regulations. If you’ve been on top of things up to now, you won’t see much change here.

  1. Guaranteed issue and renewal: you no longer can be denied getting insurance due to a pre-existing condition. Insurance companies can no longer jack up rates or drop you completely when it’s time to renew. They may only raise rates annually (on your birthday!) and only by a set amount.
  2. Fair premiums: premiums can only differ based on age, family size, tobacco use and where you live. Adults will be within a 3:1 ratio. In other words, a premium for a 63-year-old can be a maximum of three times the rate of a 21-year-old. Everyone over age 63 is in the same rate band. Women can no longer be charged more than men.
  3. Young adults special option: Younger people tend to be healthier than older people. But, as noted above, older adults are capped at paying a max of three times the premium of a 21-year-old. There was concern that this would mean high premiums for 20-somethings. The new rules allow for catastrophic health insurance plans — plans with lower premiums and higher deductibles for those generally health younger adults.
  4. What’s covered: The feds have already detailed that each state must offer coverage within ten categories. States have some latitude in exactly what they’ll put in their plans. But one question had been around prescription drugs. The federal government had initially indicated that plans need only cover one prescription drug per category in a policy’s “formulary” — which could be problematic for the millions of people with chronic illnesses who take more than one drug. There were concerns that only one drug would be covered in a huge category, such as diabetes for example. The new rules today say that insurance sold in the exchange must match the benefits of the most popular small group health plan in the state (the “benchmark plan”). In other words, in all likelihood, more than one prescription drug will be covered in each category.
  5. Wellness programs: A new rule encourages employers to offer a new kind of wellness program. If employers participate, people who receive insurance through their employer will be able to participate in enhanced wellness programs. Specifically, they can win a reward (real money here, folks: discount on premium or co-pay, for example) if they meet a specific health target: reduce or quit smoking; lower cholesterol; weight loss, etc..

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The California Health Benefit Exchange Board introduced its new brand name and logo yesterday. Covered California will become the public face of the California Exchange going forward. Actually, the colors and tag line are still undergoing final tweaking, with the marketing of the brand to begin in earnest in January, 2013. Ogilvy PR is handling the campaign.

The process of developing the name and logo has been several months in the making, and contenders have undergone intensive discussion and focus group testing . With support from Ogilvy PR the Exchange reviewed hundreds of names, including many submitted by consumers and stakeholders from across California. At the September Board meeting staff presented the top four names that rose from Name/Tagline focus group testing: Covered California, Eureka, CaliHealth, and Ursa. Based on serious concerns about being able to trademark CaliHealth and language translation concerns regarding Ursa, each of these were removed from consideration.

In focus groups, 65% of participants favored Covered California. In logo testing, The inverted double “C”s logo was the favorite for the majority of the respondents. Many observed that it felt “safe” and protected, especially respondents with families.

Week of October 30th: • Legal trademark search results review • Final internal revisions/reviews to chosen Logo design and additional tagline exploration Week of November 5th: • Review of revised Logo/Tagline • Final legal review/approval of Logo and Tagline Week of November 12th: • Final Name, Logo, tagline and domain revealed • Trademarking process: TBD

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