With the new insurance laws going into effect on January 1st, 2014, you must make sure you are covered in California. There will be a mandatory requirement for every resident of the state to have adequate health insurance or face penalties on their next tax return. There are programs designed to help you afford the new premiums. They also are designed to help small businesses provide insurance for their employees, regardless of the number of employees currently working for the company.
To be covered in California, all you need to do is apply online. Our insurance experts will design a quote that meets the minimum insurance requirements. They can also help you find a policy that meets your current budget. With four different tiers of insurance available, one of them is sure to meet your current medical needs. If you would rather have a lower monthly premium, but pay more when you visit the doctor, then the bronze tier may be the best solution. The higher tiers — silver, gold, and platinum — are designed to cost more per month, but will pay a higher percentage of your medical costs.
The different tiers also have various levels of maximum out of pocket expenses and deductibles. The higher the tier level, the lower the out of pocket and deductible, while the lower the tier, the higher the out of pocket and deductible amount. This is inversely proportionate to the monthly premium. The basic idea is that if you pay more per month, the insurance will pay more when you visit the doctor, and, if you pay less, then the insurance will also pay less.