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Blog: Coming Soon -- A New Way to Buy Health Insurance

Many Californians will be able to obtain health insurance through a new Health Insurance Marketplace. Medicare's David Sayen explains how the Marketplace works.

When key parts of the health reform law take effect in 2014, you'll have a new way to buy health insurance for yourself, your family, and your small business: the Health Insurance Marketplace. The Marketpace is designed to help you find health insurance that fits your budget, with less hassle.

Every health insurance plan in the new Marketplace will offer comprehensive coverage, from doctors to medications to hospital visits. You can compare all your insurance options based on price, benefits, quality, and other features that may be important to you, in plain language that makes sense.

You'll know you're getting a quality health plan at a reasonable price because there's nothing buried in the fine print.

When you shop at the Marketplace, all your costs are stated upfront. So you'll get a clear picture of what you're paying for and what you're getting before you make a choice.

California's Marketplace is called Covered California (www.coveredca.com).

Under the health reform law, you and your family also will have new protections. Health insurance companies can't refuse to cover you, or charge you more because you have a chronic or pre-existing condition. And they can't charge more for women than for men.

Here are some things to keep in mind about the Health Insurance Marketplace:

* It's an easier way to shop for health insurance. The Health Insurance Marketplace simplifies your search for insurance by gathering all your options in one place. One application, one time, and you and your family can explore every qualified insurance plan in your area -- including any free or low-cost insurance programs you may qualify for, such as Medi-Cal or the Children's Health Insurance Program.

* Most people will be able to get a break on costs. Programs that lower costs are available for almost everyone. You may be eligible for a free or low-cost plan, or a new kind of tax credit that lowers your monthly pemiums right away. New rules and expanded programs mean that even working families can get help paying for health insurance at the Marketplace.

* Clear, apples-to-apples comparisons. All health insurance plans in the Marketplace present their price and benefit information in simple terms you can understand, so you don't have to guess about your costs.

Starting Oct. 1, 2013, you'll be able to enroll in a plan through Covered California. Detailed information will be available about all the insurance plans offered in your area.

You can sign up now at www.coveredca.com to get email updates about how to get ready to enroll in the plan of your choice.

If you have difficult finding a plan that meets your needs and budget, there'll be people available to give you personalized help with your choices. These helpers aren't associated with any plan, and they don't receive any type of commission, so the help they give you will be completely unbiased.

Www.coveredca.com will be much more than any health insurance website you've used before. Insurance companies will compete for your business on a level and transparent playing field, with no hidden costs or misleading fine print. You'll have more choice, more control, and more clout when it comes to health insurance.

Insurance coverage through Covered California takes effect Jan. 1, 2014.

David Sayen is Medicare's regional administrator for California. You an alwats get answers to your Medicare quesitons by calling 1-800-MEDICARE (1-800-633-4227).

This post is contributed by a community member. The views expressed in this blog are those of the author and do not necessarily reflect those of Patch Media Corporation. Everyone is welcome to submit a post to Patch. If you'd like to post a blog, go here to get started.

John B. Greet February 20, 2013 at 05:14 AM
I've been fighting for more electoral responsibility in California since 1977. I've had enough. They have beaten me. I've resolved to not waste one more moment of my precious time in a place where the majority of voters can't be bothered to recover and maintain constructive control over their State government. Good luck to you.
helen petticrew February 20, 2013 at 09:48 AM
Great article.
Gregory Brittain February 21, 2013 at 05:52 AM
Don’t Say We Didn’t Warn You, #22 With Election Over, Obama Announces Medicare Cuts to Fund Obamacare http://www.breitbart.com/Big-Government/2013/02/20/With-Election-Over-Obama-Announces-Medicare-Cuts-To-Fund-ObamaCare
David Lewis February 21, 2013 at 06:13 AM
People worry about gun control nonsense killing people. Just wait till Obamacare hit's. It will kill more people than all the wars combined.
Gregory Brittain February 23, 2013 at 04:26 AM
Don’t Say We Didn’t Warn You, #23 Obamacare and the 29’ers “How the new mandates are already reducing full-time employment” http://online.wsj.com/article/SB10001424127887324616604578304072420873666.html?mod=opinion_newsreel “These employment cliffs are especially perverse economic incentives. Thousands of employers will face a $40,000 penalty if they dare expand and hire a 50th worker. The law is effectively a $2,000 tax on each additional hire after that, so to move to 60 workers costs $60,000.” “The timing of all this couldn't be worse. Involuntary part-time U.S. employment is already near a record high. The latest Department of Labor employment survey counts roughly eight million Americans who want a full-time job but are stuck in a part-time holding pattern. That number is down only 520,000 since January 2010 and it is 309,000 higher than last March. (See the nearby chart.) And now comes ObamaCare to increase the incentive for employers to hire only part-time workers.”

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