A Guide to Los Angeles Health Insurance

On March 23, 2010, something monumental happened. On this day, President Obama signed his Affordable Care Act, also dubbed “Obamacare” into effect. This became the largest overhaul to the United States Healthcare system since 1965. The new law drastically changed the healthcare system in the country.

California is one of the states who adopted the Affordable Care Act by starting the Covered California healthcare system. This change had Los Angeles residents scrambling to obtain Los Angeles Health Insurance to avoid tax fees. Because this process was new, many were confused about what Covered California actually was, what coverage options were available, and how to obtain coverage.

We at SkyBlue Insurance have created a guide to Los Angeles Health Insurance to help residents of the city fully understand Covered California.

The Law

The Affordable Care Act requires everyone over the age of 21 to obtain health insurance or pay a penalty during tax season. Those under the age of 26, can still be covered under their parents’ insurance policy. After 26 you are required to sign up for Los Angeles Health Insurance if your place of employment does not offer coverage.

The Fees

When the act was first signed, fees were relatively small since most people had not had the time to get insured. As of 2016, if you’re not insured, the penalty is 2.5% of your income or $695 per person, whichever is greater.

Exemptions

Certain Los Angeles residents are exempt from the tax penalty for not having insurance. They include:

  • Those below the minimum threshold for paying taxes
  • Residents experience financial hardship
  • Consumers who can’t afford coverage
  • Incarcerated Residents
  • Undocumented Immigrants
  • Religious sects and divisions recognized by the IRS who have been opposed to receiving health benefits since 1956
  • American Indian Tribes




Coverage Options

Los Angeles Health Insurance policies usually come with these coverage options:

  • Ambulatory services
  • Emergency or urgent care
  • Hospitalization services
  • Maternity and newborn care
  • Mental health and substance abuse services, including counseling
  • Prescription medications
  • Rehabilitative services and equipment
  • Laboratory services
  • Preventive and wellness care, including chronic-condition management
  • Pediatric services (which must include dental and vision care for children)

Types of Plans

  • Bronze level: On average, your plan pays 60% of covered health-care costs; you pay the remaining 40%.
  • Silver level: On average, your plan pays 70% of covered health-care costs; you pay the remaining 30%.
  • Gold level: On average, your plan pays 80% of covered health-care costs; you pay the remaining 20%.
  • Platinum level: On average, your plan pays 90% of covered health-care costs; you pay the remaining 10%.

Where to Apply

There are many channels available for you to apply for Los Angeles Health Insurance and find the best rates. You can visit Healthcare.gov or the Covered California website where you can find rates and applications. You can also visit the sites of the top health insurance providers.

Hopefully our guide to Los Angeles Health Insurance was helpful. Going through this process can be time consuming and stressful. That’s why SkyBlue Insurance is here to help. If you don’t feel like searching through tons of information, we can obtain quotes from some of the Los Angeles Health Insurance providers we represent. We get you instant results that you can compare to find the best Los Angeles Health Insurance coverage for you. If you need help finding the best insurance, request a rapid Los Angeles Health Insurance quote from us for free!