Tag Archives: California ACA

California Affordable Care Act

California Affordable Care Act Comprehensive Guide

In this article, you will learn about the Affordable Care Act health care reform laws in California.  You will get an understanding of how the health care law impacts you as a citizen of the state.  Learn how to sign-up for Affordable Care Act, learn about the Affordable Care Act penalty and subsidies, and much more.

What is California Affordable Care Act?

Affordable Care Act, also know as Obama Care, was signed into law in March 2010.  The goal of Affordable Care Act is to provide US citizens with affordable health insurance and to reduce the cost of health care spending for families and in America.

The Key Points of the Affordable Care Act / California Obamacare:

How to Apply for California Affordable Care Act?

California Affordable Care Act marketplace is run by the state of California.  Click on Covered CA to access California Affordable Care Marketplace.  You can preview the different insurance plans and see participating doctors before selecting the final health insurance plan.

State Federal or State Marketplace  Website Medicaid Expansion?
California Federal www.HealthCare.gov No

When can I apply for California Affordable Care Act (Calfornia ACA)?

California Affordable Care Act’s Open Enrollment 2015-2016 starts on November 1, 2015, and ends on January 31, 2016.  To have health insurance coverage beginning on January 2016, you must apply before December 15, 2015, deadline.

In order to qualify for Tax Credit or Premium Tax Subsidies, you must purchase health insurance from the Affordable Care Act Marketplace during Open Enrollment period.

If you qualify for California Medicaid health insurance, then you can sign-up Medicaid anytime of the year.

When is the deadline for California Affordable Care Act (CA ACA)?

Important dates for California Affordable Care Act deadlines:  The absolute last day to purchase health insurance from the Marketplace is January 31, 2016.

  • December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016
  • January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15.
  • January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016
  • January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.

How much is California Affordable Care Act?

There are four different plans within the California Affordable Care Act.  The metal plans represent the various levels of coverage you receive and what the plan pays on average.  The plan levels DO NOT represent the quality of the health coverage/doctors you receive.

  • Bronze Plan: The plan pays 60% of the cost, you pay 40% of the cost
  • Silver Plan: The plan pays 70% of the cost, you pay 30% of the cost
  • Gold Plan: The plan pays 80% of the cost, you pay 20% of the cost
  • Platinum Plan: The plan pays 90% of the cost, you pay 10% of the cost

The cost of Affordable Care Act in California depends on the metal plan you choose and the number of people in the household.   Platinum plans have the highest insurance premiums (monthly cost) and Bronze plans have the lowest insurance premiums.

State Year Avg. Monthly Silver Plan (before Tax Credits) US Average
California 2015 $257 $268

What are the California Affordable Care Act Eligibility Requirements?

In order to get California Affordable Care Act, you must meet the following requirements:

  • Must live in California
  • Must be a US citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated (be in jailed)
  • Have a valid Social Security Number
  • and few other requirements

Do I need to get California Affordable Care Act?

Yes, every individual in California needs to have health insurance.  The Individual Mandate of Affordable Care Act health care law requires US Citizen to enroll in a health insurance plan or pay a penalty.  If you have Medicaid or company sponsored health insurance, you have met the insurance coverage requirement.

You can choose not to have health insurance, but you have to pay the penalty in addition to the hospitals/doctors medical fee if you do get sick.

How much is Affordable Care Act Penalty in California?

The penalty (or also called individual shared responsibility payment) is calculated in two ways.

For 2016 year, the ACA penalty is as follows:

  1. By percentage of income (2.5% of household income or maximum of National Average Bronze plan premium)
  2. By number of people in the household ($695 per adult, $347.50 per child or maximum $2085)

You’ll pay whichever penalty is higher. 

How much are California ACA Subsidies? What are the requirements?

Affordable Care Act Subsidies are also called, “Premium Tax Credits.”

ACA subsidy lowers your premium – the amount you pay each month to your insurance plan.The amount of your ACA Subsidy depends on the estimated household income that you put on your ACA Marketplace application.

In order to qualify for Affordable Care Act Subsidy, your income must be between 100% to 400% of the Federal Poverty Level.

Affordable Care Act - Federal Poverty Level
Federal Poverty Level Insurance Premium After PTC Subsidy
Up to 133% FPL 2% of income
133-150% FPL 3%-4% of income
150-2000% FPL 4%-6.3% of income
200-250% FPL 6.3%-8.05% of income
250-300% FPL 8.05%-9.5% of income
300-400% FPL 9.5 of income
Over 400% FPL No Government Subsidy

Medicaid Expansion under the Affordable Care Act

With the new health care reform, the Federal government offered incentives for states to expand the Medicaid program.  30 states out of the 50 states expanded Medicaid program while 20 states decided not to expand Medicaid due to expected future cutbacks from the Federal government.

California expanded the Medicaid program under the Affordable Care Act.

State Medicaid Expansion
California No

Insurance Companies that offer Affordable Care Act Health Insurance Plans in California:

The following insurance companies are offering Affordable Care Act Plans in the Marketplace.

  • Anthem Blue Cross of California (Wellpoint)
  • Blue Shield of California
  • Chinese Community Health Plan
  • Health Net
  • Kaiser Permanente
  • L.A. Care Health Plan
  • Molina Healthcare
  • Sharp Health Plan
  • Valley Health Plan
  • Western Health Advantage

Frequently Asked Questions (FAQ) on California Affordable Care Act:

  1. Who runs the California Affordable Care Act? Federal
  2. Where can I sign up for California Affordable Care Act? Click here
  3. Do I need to get health insurance or Affordable Care Act? Yes, if not, you have to pay a penalty.
  4. How much is California Affordable Care Act? Click here for the average ACA premium
  5. Did California expand Medicaid under Affordable Care Act? Yes

Click here for more Frequently Asked Questions on Obamacare / Affordable Care Act.

For more Information on California Obamacare / Affordable Care Act:

Federal HealthGov Marketplace
Toll-Free: 1-800-318-2596
Website: HealthCare.gov

Covered California
Toll-Free: (800) 300-1506
Website: Covered CA

California five largest cities in terms of population: Los Angeles, San Diego, San Jose, San Francisco, and Fresno.  You can apply for Affordable Care Act Health Insurance in any location in California.

Who voted for Affordable Care Act in California?

Question: Who voted for Affordable Care Act in California?

Answer: The Affordable Care Act, or the Obamacare, is the new health care reform by making insurance more affordable and accessible with a mandate that every individual is required to have health insurance in the United States.  The Affordable Care Act was passed in law on March 21, 2010 with final votes of 219-212 in the US Congress.

In California, the following House of Representatives voted for Affordable Care Act.

CA Aye John Garamendi Democrat
CA Aye Judy Chu Democrat
CA Aye Jackie Speier Democrat
CA Aye Laura Richardson Democrat
CA Aye Jerry McNerney Democrat
CA Aye Doris Matsui Democrat
CA Aye Jim Costa Democrat
CA Aye Lynn Woolsey Democrat
CA Aye Henry Waxman Democrat
CA Aye Diane Watson Democrat
CA Aye Maxine Waters Democrat
CA Aye Mike Thompson Democrat
CA Aye Fortney Stark Democrat
CA Aye Brad Sherman Democrat
CA Aye Adam Schiff Democrat
CA Aye Loretta Sanchez Democrat
CA Aye Linda Sanchez Democrat
CA Aye Lucille Roybal-Allard Democrat
CA Aye Nancy Pelosi Democrat
CA Aye Grace Napolitano Democrat
CA Aye George Miller Democrat
CA Aye Zoe Lofgren Democrat
CA Aye Barbara Lee Democrat
CA Aye Michael Honda Democrat
CA Aye Jane Harman Democrat
CA Aye Bob Filner Democrat
CA Aye Sam Farr Democrat
CA Aye Anna Eshoo Democrat
CA Aye Susan Davis Democrat
CA Aye Dennis Cardoza Democrat
CA Aye Lois Capps Democrat
CA Aye Howard Berman Democrat
CA Aye Xavier Becerra Democrat

The following House of Representatives voted against for Affordable Care Act.

CA No Tom McClintock Republican
CA No Duncan Hunter Republican
CA No Kevin McCarthy Republican
CA No John Campbell III Republican
CA No Daniel Lungren Republican
CA No Brian Bilbray Republican
CA No Edward Royce Republican
CA No Dana Rohrabacher Republican
CA No George Radanovich Republican
CA No Devin Nunes Republican
CA No Gary Miller Republican
CA No Howard McKeon Republican
CA No Jerry Lewis Republican
CA No Darrell Issa Republican
CA No Walter Herger Republican
CA No Elton Gallegly Republican
CA No David Dreier Republican
CA No Ken Calvert Republican
CA No Mary Bono Mack Republican