Call Toll Free: 1 (800) 879-3838
24/7  Support
Covered California Open Enrollment begins OCtober 15th

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

Get Appointment

We are open from Monday to Saturday.

  • We will contact you to confirm your appoinment. Thank you

  • More Info
Covered California Offers Consumers A Chance To Minimize Their ... california-healthline.jpg

New Category Created for Special Enrollment Allows Those Unaware of a Tax Penalty for Being Uninsured to Sign up for Coverage by April 30. SACRAMENTO, Calif. — Covered California is offering a special enrollment opportunity for consumers who did not know or understand ...View more

How To Pick A Medicare Advantage Plan california-healthline.jpg

In the months leading up to the fall Medicare open enrollment season, your mailbox may be overflowing with sales brochures from Medicare Advantage plans. Our advice is to ignore them. There are better, unbiased ways to pick the right plan for you. First and most important is to read the Annual Notice of Change. View more