Affordable Health Care is Here!
The Patient Protection and Affordable Care Act of 2010 is now in full effect,
as of January 1, 2014, bringing accessible and affordable healthcare to
millions of Americans, including many who live right here in our community.
Now everyone has the right to obtain reasonably-priced health insurance
even if they have been denied it in the past due to a pre-existing condition.
It also expanded the eligibility for Medi-Cal coverage to more low-income persons.
The initial open enrollment period ended in March, but will be open again
from November 15, 2014 through February 15, 2015. Individuals may also
qualify for Special Enrollment Periods outside of Open Enrollment if they
experience certain events, such as the loss of a job and employer-paid
insurance, marriage or the birth of a child.
You can select a private insurance company or obtain coverage through the
California Health Benefit Exchange also known as
Depending on your financial circumstances, you may be eligible for tax
credits, cost-sharing subsidies or Medi-Cal coverage, which has been expanded
to greater numbers of Californians. If you are an individual between the
ages of 19 and 64 earning less than $ 15,860 per year, you would be eligible
for free health services under Medi-Cal and will be referred to your County
for enrollment. If you earn between $ 15,860 and $ 32,500, you would be
eligible for assistance with your insurance premiums,
if you purchase your plan through
A helpful calculator from the Kaiser Family Foundation can help you determine
if you are eligible for assistance and estimate how much you would actually
pay for insurance offered through the exchange.
Click here to visit their website.
Click here to visit the official Covered California website to learn more about the
program and your options. You also can call their toll-free number,
1-800-300-1506, to speak with someone in your preferred language, who can guide you through
the information and the enrollment process.
The wide-ranging benefits of the Affordable Care Act for you and your family include:
- Standardized health plans that must include certain benefits, regardless
of who the insurance carrier is, making it easier to compare prices
- Insurance companies may no longer deny coverage to anyone because of pre-existing
- Insurance companies may no longer impose annual dollar limits on benefits.
- Expanded list of drugs available at a discount for seniors reaching the
"donut hole" in their prescription coverage
- Insurance companies may no longer deny coverage to children under 19 because
of pre-existing conditions.
- Young adults are allowed to remain on their parents' plan until they turn 26.
- Insurance companies may no longer deny payments due to a technical mistake
or error on a patient's application.
- Insurance companies may no longer impose lifetime limits on coverage for
essential benefits, such as hospital stays.
- Tax credits for small businesses (fewer than 25 employees) and non-profits
to help them provide coverage for their staff. (At least 90% of all Yuba-Sutter
businesses are small enough to qualify.)
- Tax-free rebate checks of $250 to seniors as they reach the "donut
hole" in prescription coverage, and 50% discount on certain brand-name drugs.
- Free wellness visits and preventive care for seniors on Medicare.
- All new health plans must cover preventive services such as colonoscopies
and mammograms, with no deductible or co-pay.
Insurance companies must spend at least 80% of premiums on benefits and
quality improvement or give rebates to policyholders, and must justify
For details about these benefits, visit the links below:
The official U.S. website for information about the Affordable Care Act:
Wellness and Prevention - this site guides you to resources to help you
keep healthy, including free preventive services provided under the ACA:
For Seniors and those about to turn 65:
For Low-income Individuals and Families: