Getting Health Insurance for You and Your Family

Getting Health Insurance for You and Your Family

 • Effective 1/1/2014, health plans during open enrollment are guaranteed issue.  • Rates are calculated based on the age of each family member, family size and region.
 • 2016 Open Enrollment is from November 1, 2015 thru January 31, 2016  • California has 19 rating regions.
 • California has set up an exchange called “Covered California”.  • If you are eligible for coverage through your employer or your spouse’s employer you may not be eligible for tax credits.
 • There are four standardized plan levels: Platinum, Gold, Silver and Bronze.  • If you do not qualify for tax credits through Covered CA, those same plans are also available directly through the carriers.
 • There are three financial assistance programs available to those who qualify.  • Certified Insurance Agents and Certified Enrollment Counselors can assist you with your Covered CA enrollment. See chart on back.
 • Premium Assistance (Tax Credits) reduces the cost of your premium.  • The price you pay for your plan is identical whether purchased directly from Covered CA or with the help of a Certified Insurance Agent.
 • Cost Sharing Reduction reduces costs of covered services.  • In 2016 the penalty for not obtaining minimum essential coverage is $695 per adult or 2.5% of household income, whichever is greater.
 • Medi-Cal is a program that may be at no cost to those who qualify. Thresholds were expanded in 2014. See chart on back.  • Special Enrollment Periods (outside of open enrollment) are available. See chart on back.
 • Premium assistance and cost sharing reduction programs are only available through Covered California.  • In Los Angeles, participating carriers with Covered California are: Anthem Blue Cross, Blue Shield, Health Net, Kaiser, Oscar Health, L.A. Care Health Plan and Molina Healthcare.
 • Premium assistance (tax credits) can be applied towards monthly premium or at tax filing for those who qualify.  • We partner with all above mentioned carriers including CIGNA and United Healthcare in the private market as well.
  Alberta Bellisario
CA License #0A02225
818.888.0880 ext. 202

Paul  Paul Davis
CA License #0669770
818.888.0880 ext. 201

Our trusted partners:
PAB Insurance Solutions,  CA License #0178979
Northridge, CA 91324 & Sherwood Forest, CA 91325
Call for Appointment!
Services and Market Segments Certified Insurance Agents Certified Enrollment Counselors
Assist in completing enrollment application
CA Insurance License provided by CA Department of Insurance
Services offered at no cost to consumer
SHOP Marketplace (Covered CA – Small Business Health Options Program)
Employee Applications
Private Marketplace (carrier plan options outside of Covered CA)
Individual Marketplace (Covered CA – Individual/Family plans)
Offer consultative approach and/or recommend plans
Examples of Special Enrollment Periods
 • Lost other health insurance including Medi-Cal
 • Permanently moved to or within California
 • Birth or adoption of baby/child
 • Newly married or entered into a domestic partnership
 • Returned from active duty military service
 • Released from incarceration
 • Gained citizenship; Lawful presence
 • Income changed to Federal Poverty Guideline Level
 • Current individual grandfathered plan will renew outside of open enrollment period

Program Eligibility by Federal Poverty Level (FPL) for 2015 OEP for Coverage Effective after 1/1/16

Eligible For Premium Healthcare Assistance

Paul Davis is a Certified Insurance Agent

Paul Davis is a Certified Insurance Agent

Enhanced Silver Plans 94, 87 & 73 are cost sharing reduction plans which reduce the cost of your health plan benefits.