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California's mission to prove affordable care is alive and well



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Affordable Health Insurance from Covered California

With the fate of the Affordable Care Acts hanging in balance, California makes a compelling case for its continuation. Covered California, the state's online insurance exchange, has announced premium increases of only 0.6 percent, a record low for the second year in a row. These favorable rates are likely to increase enrollment in Santa Rosa and throughout the state during the 202 planning year. A health insurance broker in Santa Rosa can help you guide your plan choice through exchange or privately. In any case, individuals throughout California can count on affordable health insurance.

Help for the Unemployed
The pandemic has caused millions of California residents to become unemployed. Along with losing a paycheck, these individuals no longer have health insurance for themselves and their families at what may be the worst possible time. By extending the enrollment period to receive health insurance coverage, individuals who cannot afford the high fees for continuing their employer insurance under the Consolidated Budget Association Act (COBRA) can avoid interruptions in coverage.

Factors Contributing to Speed ​​Reduction
An important factor leading to more covered California and reduced premiums is the California legislature's reinstatement of the individual mandate after the federal government repealed 201

9. California's Med-Cal program also ensures that those who cannot afford the lowest premiums offered on the state stock exchange can still receive coverage through government subsidies. New eligibility requirements for these subsidies also take into account all those who do not fall below the poverty line but struggle to pay for insurance. Health insurance brokers and others throughout the state can help individuals make their choices at no cost. With more individuals within a coverage pool, insurance premiums are significantly reduced.

Another factor affecting premium rates is the general health of individuals covered. The individual mandate and the increased subsidies have increased the number of Californians receiving health insurance. While healthy individuals without pre-existing conditions once chose to completely refrain from coverage, the state now makes it mandatory and convenient for them to have health insurance. The inclusion of healthy people in a mix of the covered significantly reduces premium costs for everyone, regardless of whether they choose plans on or off the stock exchange. California has increased its marketing and outreach efforts to support it. Despite the size and diversity of California's population, it is clear that these efforts have succeeded in convincing a large number of people that health insurance is a necessity rather than a luxury. An increase in covered individuals helps to reduce premiums for all.

How a Santa Rosa Health Insurance Broker Can Help
In today's times, having health insurance is more important than ever, whether or not it's a government requirement. Without employers to simplify coverage options, many individuals will struggle to sort through the many different choices or fully understand their needs. Sackett Insurance Services can help you and other Santa Rosa residents understand your options and ensure you get budget-friendly rates without compromising your ability to get the care you need and deserve.

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