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Health Care Reform in California

The Affordable Care Act is a law passed in 2010 to increase access to health care coverage in the United States. Also known as Obamacare or health care reform, it makes it easier for those who are uninsured to get affordable health insurance. This will cover things that are important to you, including birth control with no co-pay, doctor visits, hospitalizations, maternity care, emergency room care, and many other services. And you can not be denied coverage based on pre-existing conditions like diabetes or cancer.

Programs to consider

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Medi-Cal (also called Medicaid)

Starting in 2014, the State of California expanded Medi-Cal to include more people by removing some limitations to participation. Medi-Cal will offer a broad package of benefits to:

  • Single people who make less than $16,105 per year
  • Families of four who make less than $32,913 per year

VISIT THE MEDI-CAL WEBSITE

Covered California

Covered California is a newer program that began as a result of the heath care reform. It is a "marketplace" where health insurance plans compete with each other to offer you lower prices. Go to the Covered California Share and Compare tool to see your options. There are several options in each county. If you need additional assistance, there will be trained people to help you enter your contact information.

You will likely get assistance* with your insuance premiums when you purchase insurance through Covered California if you are:

  • Single and make between $16,105 and $45,960 per year
  • A family of found and make between $32,913 and $94,200 per year

To be eligible to purchase Covered California insurance, you must meet these conditions:

  • Between the ages of 18-64
  • A citizen of the United States or a legal resident. If you are not a citizen or a legal resident, and you have children who are citizens, you may be able to enroll your children.
  • A resident of the State of California
  • Not covered by an employer’s insurance plan
  • Pay more than 9.5% of your gross income for health insurance

* Please note: If you are offered insurance through your workplace, it's unlikely you will be eligible for financial assistance.

VISIT THE COVERED CALIFORNIA WEBSITE

Family PACT

The Family Planning, Access, Care, and Treatment program (FPACT) provides family planning and reproductive health services to millions of Californians.  It is for Californians who make less than $23,340 per year for a single person, or less than $47,700 per year for a family of four. 

Eligible women may receive birth control, routine exams and pap smears as well as testing and treatment for sexually transmitted diseases (STDs) or vaginal infections when coupled with family planning counseling.

Eligible men can receive condoms and STD testing and treatment when coupled with family planning counseling as well as vasectomy services. 

Many people currently covered by FPACT will be able to obtain expanded coverage through Medi-Cal or Covered California in 2014. 

VISIT THE FAMILY PACT WEBSITE


Which Health Care Coverage Is Right For You?

It can be hard to figure out which health care coverage is right for you, and how much you will have to pay. Here are some examples to help you figure out which coverage you may be able to get:  

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If you are single ...

  • and make less than $16,105 per year, you will be covered by Medi-Cal at no cost to you.
  • and make between $16,105 and $45,960 per year, you will very likely get assistance with your premium when you purchase insurance throug Covered California, the California insurance exchange.
  • and undocumented or make less than $22,980 per year and have not selected coverage, your family planning services may continue to be covered by Family PACT. 
  • and covered by your employer, you will likely keep that.

If you are a family of four ...

  • and make less than $32,913 per year, you will be covered by Medi-Cal at no cost to you.
  • and make between $32,913 and $94,200 per year, you will very likely get assistance with your premium when you purchase insurance through Covered California, the California insurance exchange.
  • and undocumented or make less than $47,100 per year and have not selected coverage, your family planning services may continue to be covered by Family PACT. 
  • and covered by your employer, you will likely keep that.


Your have questions. We have answers! 

COMMON QUESTIONS LINK

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Health Care Reform in California