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Covered California Open Enrollment begins November 1st

ObamaCare or Affordable Care Act

  • 2010: The law passed made significant changes to the way health insurance will be provided
  • 2012: The Supreme Court confirmed the constitutionality of the individual mandate
  • 2014: Implementing the new health insurance options in the ACA

Some of the major changes

  • Required to have public or private health insurance or pay a financial penalty
  • Expansion of Medicaid, financial assistance and cost-sharing reduction programs
  • Small Business Tax Credits
  • Medicare Improvements

The penalty for not having health coverage

      Percentage of family income above the tax filing   threshold:
  • 2014: 1% or $95 per adult and $47.50 per child
  • 2015: 2% or $325 per adult and $162.50 per child
  • 2016 and beyond: 2.5% or $695 per adult and $347.50 per child

Eligible to enroll in coverage

  • Be a citizen or lawfully resident in the United States
  • Not be incarcerated
  • Be a resident of the state in which one wants to purchase insurance

Three consumer paths to health insurance through Covered California

  • Path 1: At or below 138% FPL: Medi-Cal
  • Path 2: Between 139%-400% FPL: Financial Assistance
  • Path 3: Over 400% FPL: Eligible for a health plan

Why choose PHP Insurance Services?

  • Great protection at great price with multiple choices
  • Extensive experience, utterly reliable
  • High quality services and support 24/7

ObamaCare Enrollment

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