If you live in California, you’ve probably heard of Covered California. It’s the state’s health insurance marketplace, created as part of the Affordable Care Act. But many Californians are still confused about who is eligible for Covered California plans. Specifically, some wonder if it’s only for low-income individuals and families.
The short answer is no, Covered California is not only for low income. In fact, the marketplace is designed to serve a wide range of Californians, from those with very low incomes to those with high incomes. Keep reading to learn more about what Covered California is, who it’s for, and how to enroll.
- 1 High Income and Covered California: Eligibility Explained
- 2 Covered California Eligibility: Who Qualifies for Healthcare Coverage?
- 3 Covered California: Myths and Facts about Eligibility
High Income and Covered California: Eligibility Explained
Are you wondering if you qualify for Covered California health insurance with a high income? The answer is: it depends. While Covered California is primarily targeted towards low and middle-income individuals and families, those with higher incomes may still be eligible for health insurance through the program.
What is Covered California?
Covered California is the state’s health insurance marketplace that was created under the Affordable Care Act (ACA). It allows individuals and families to shop for and compare health insurance plans from various providers, with subsidies available for those who qualify based on their income and household size.
Eligibility for Covered California
Eligibility for Covered California is primarily based on income and household size. In general, individuals and families with incomes between 138% and 400% of the federal poverty level (FPL) are eligible for subsidies to help pay for their health insurance premiums. For 2021, the FPL for an individual is $12,880 and $26,500 for a family of four.
However, those with incomes above 400% of the FPL may still be eligible for health insurance through Covered California, but they will not receive any subsidies to help pay for their premiums. In other words, they would have to pay the full cost of their health insurance.
How High Income Individuals Can Enroll in Covered California
If you have a high income and want to enroll in Covered California, you can do so during the open enrollment period, which typically runs from November 1 to January 31 of each year. You can also enroll outside of the open enrollment period if you experience a qualifying life event, such as losing your job or getting married.
When you apply for health insurance through Covered California, you will be asked to provide information about your income and household size. If your income is above 400% of the FPL, you will not be eligible for subsidies, but you can still choose from a variety of health insurance plans offered through the marketplace.
Covered California Eligibility: Who Qualifies for Healthcare Coverage?
Covered California is a health insurance marketplace that offers healthcare coverage to eligible individuals and families. It was established under the Affordable Care Act (ACA) to provide affordable and comprehensive health insurance options to Californians.
Who is eligible for Covered California?
California residents who are US citizens, US nationals, or lawfully present immigrants may be eligible for Covered California. The eligibility criteria are based on income, household size, and other factors.
Individuals and families who fall within certain income brackets may be eligible for financial assistance to help pay for their healthcare coverage. The income limits for 2021 are:
- Individuals earning between $17,774 and $51,040
- Family of two earning between $24,040 and $68,960
- Family of three earning between $30,305 and $86,880
- Family of four earning between $36,570 and $104,800
The number of people in a household also affects eligibility for Covered California. Individuals and families must include all members of their household when applying for healthcare coverage.
In addition to income and household size, other factors that may affect eligibility for Covered California include age, residency status, and access to other healthcare coverage.
How to Apply for Covered California
Individuals and families can apply for Covered California online, by phone, or with the help of an enrollment counselor. The application process is simple and straightforward, and assistance is available for those who need it.
Covered California: Myths and Facts about Eligibility
Covered California is the state’s health insurance exchange, created under the Affordable Care Act (ACA) for Californians to buy health insurance. However, there are many myths and misconceptions about eligibility for Covered California. Here are some of the myths and facts:
Myth: Only low-income Californians are eligible for Covered California.
Fact: Individuals and families with a wide range of incomes can qualify for Covered California. It is designed to provide access to affordable health insurance for people who do not have coverage through their employer or government programs.
Myth: Only citizens can enroll in Covered California.
Fact: Lawful residents of California, including those with DACA (Deferred Action for Childhood Arrivals) status, can enroll in Covered California.
Myth: Individuals with pre-existing conditions cannot enroll in Covered California.
Fact: Covered California cannot deny coverage to individuals with pre-existing conditions. In fact, under the ACA, all health insurance plans must cover pre-existing conditions.
Myth: Covered California is only for individuals, not families.
Fact: Families can enroll in Covered California and receive financial assistance to help pay for coverage.
Myth: If you have coverage through your employer, you cannot enroll in Covered California.
Fact: You can enroll in Covered California if you are not offered affordable coverage through your employer or if the coverage offered does not meet certain standards.
Myth: Enrolling in Covered California is too complicated.
Fact: Covered California offers free assistance to help individuals and families understand their options and enroll in coverage. You can also use the online tools on the Covered California website to compare plans and prices.
If you are unsure about your eligibility, visit the Covered California website or contact their customer service for assistance.
Covered California: Eligibility Requirements and Who Does Not Qualify
Covered California is a state-run health insurance marketplace established under the Affordable Care Act (ACA) to help individuals and families in California find affordable health insurance plans. However, not everyone is eligible to enroll in Covered California.
To qualify for Covered California, individuals and families must meet the following requirements:
- Must be a resident of California
- Must be a US citizen, a US national, or a lawfully present immigrant
- Must not be incarcerated
- Must not be eligible for Medicare
- Must not have access to affordable health insurance through an employer
It’s important to note that individuals who are eligible for affordable health insurance through their employer or Medicare are not eligible to enroll in Covered California.
Who Does Not Qualify
In addition to those who are eligible for Medicare or have access to affordable health insurance through their employer, the following individuals are not eligible for Covered California:
- Undocumented immigrants
- Individuals who are incarcerated
- Individuals who do not meet the residency requirement
- Individuals who do not meet the citizenship or lawful presence requirement
It’s important to note that undocumented immigrants are not eligible for Covered California, regardless of their income or residency status.
However, it’s important to understand the eligibility requirements and who does not qualify for enrollment.
Covered California is not just for low-income individuals. While the marketplace does offer financial assistance to those who qualify based on income, it also provides options for those who do not. Anyone can enroll in a plan through Covered California, regardless of their income level. It’s important to explore all of the available options and find the plan that best fits your individual needs and budget. Don’t hesitate to reach out to a licensed insurance agent or Covered California directly for assistance in navigating the marketplace.