Individual & Family Health Insurance
All individuals and families in California are required by state law to have health insurances. Open enrollment is the time of year when everyone can apply for an insurance plan. There is no limit on maximum amount of money for claims and can be insured with pre-existing health condition due to the high medical costs in the United States.
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If you don’t want to expose your immigration status or income, you can purchase off-exchange health insurance directly from an insurance company during open enrollment period. Click here to get a quote now!
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U.S. citizens or permanent residents may apply for health insurance with federal subsidies. Premiums and benefits are based on the household size and annual household income. During the three month open enrollment period, it’s vital to consult a professional agent to get the best benefits, the lowest premiums, and the most accurate subsidies and tax credit. Click here for more information.
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The U.S. government provides health insurance specifically for those over the age of 65 and those with disabilities and illnesses. Click here for more information.
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Adults over the age of 19 have to purchase dental insurance separately. After the waiting period, you can enjoy benefits such as dental check-ups, braces, wisdom teeth treatment, and more! Able to apply all year round. Click here to get a quote online.
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Vision insurance must be obtained separately for individuals aged 19 and above. Once the waiting period has passed, a wide range of benefits become available, including coverage for glasses, contact lenses, and other vision-related expenses. Applications are accepted throughout the year, and you can click here to obtain an online quote.
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Travel insurance offers essential coverage for international students studying in the United States or families visiting from abroad, safeguarding them against unexpected medical emergencies.
Our Services
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Insurance Policy Assistance
Questions about your insurance policy? Feel free to reach out to us and we’ll help you navigate your healthcare options.
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Free Quotes
We’ll help you narrow down a selection of relevant plans for you to compare.
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Medical Bill Tracking Support
We can help you address any issues with Tracking Medical Bills
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Update Insurance Information
We can help you update your infromation and change your Primary Care Physician and Medical Network
Insurance Carriers
Insurance Carriers
FAQs
Why do I need health insurance?
The United States is a country with the most expensive medical expenses in the world. A general outpatient, surgery or emergency charge can cost hundreds to thousands of dollars. Health insurance protects you from unexpected high medical costs.
Is there a penalty for not having health insurance in 2023?
The penalty for not having coverage the entire year will be at least $850 per adult and $425 per dependent child under 18 in the household when you file your state income tax return.
What is Open Enrollment?
After the implementation of Affordable Care Act (Obamacare), major insurance companies can only accept the purchase and change of health insurance plans during the open enrollment period which from November 1st of each year to the end of January 31st of the following year. The enrollment end period can be varies if there is a special circumstance.
What is Special Enrollment?
You can apply for a health plan outside open enrollment (or make changes to your current plan) if you’ve experienced one of these qualifying life events, usually within the last 60 days. The effective date of the insurance is the 1st of the following month after submitting the application.
Gained U.S. citizenship or lawful presence
Had a baby or adopted a child
Moved to/within California
Lost existing health coverage, including job-based individual plans
Got married or divorced
Turned 26 and lost coverage through a parent’s plan
Death in the family
Lost eligibility for Medicaid/Medi-Cal
Returned from active-duty military service
Released from incarceration
What documents are required to apply for subsidized health insurance?
Only California taxpayer residents are eligible to apply for subsidized health insurance through Covered California. For new immigrants, a social security number and legal immigration status documents are required (Employment Card, Permanent Resident Card, Certification of Naturalization, or passport). Your pay stub or tax return is required as proof of income.
Why there are different premiums for the same coverage plan among different insurance companies?
Different insurance companies have different contracted medical networks. Usually, a larger medical network will have relatively higher premiums. The premiums in different regions are also different due to the medical claim ratio.
What is Medi-Cal?
Medi-Cal is California's Medicaid program. Medi-Cal gives people with low incomes access to health services without paying insurance premiums and medical expenses. However, the contracted medical network is very limited, and usually, the waiting period for the medical appointment is longer.
*In some cases, a monthly premium for children under 18 yrs old may be required.
How can I change my Medi-Cal plan to subsidized health insurance?
Subsidized health insurance and Medi-Cal insurance cannot exist at the same time. If you currently hold a Medi-Cal insurance, you need to contact the Department of Social Services to cancel your Medi-Cal insurance, even if it is not during the open enrollment period of health insurance. After the Medi-Cal insurance is canceled, then it is eligible a a special enrollment period. You can apply for subsidized health insurance within 60 days. After the application is submitted, it will be effective on the 1st of the following month.
How much Subsidy you can get from Covered California?
Covered California refers to the standards in the Federal Poverty Level to provide premium subsidies according to different household sizes and adjusted gross income on the 1040 tax form. The variety of Silver plans depends on the income range.
View the chart here
What are the differences between HMO/PPO plans?
HMO plan requires you to designate a Primary physician and a medical network. Except for emergency medical treatment, you need to make an appointment with a Primary physician first, and the Primary physician will determine whether it is necessary to refer you to a specialist or make an appointment for surgery. The medical costs will not be covered outside the contracted medical network.
PPO plan allows you to directly make an appointment with a Specialist doctor without a referral from a Primary physician, and a larger contracted medical network. Some of the medical costs will be covered under a non-contracted medical network.
