Covered California – Income Help: How Financial Assistance Makes Health Coverage More Affordable

epiainsurance
5 days ago
2 min read

If you’ve ever looked at the cost of health insurance and thought, “That’s too expensive for me,” you’re not alone. The good news is that Covered California was created to change that — with financial help designed to make quality health insurance affordable for more people across the state.

At EPIA Insurance Agency Inc., we help Californians every day understand how this assistance works, who qualifies, and how much they can save.

What Is Income Help Under Covered California?

Covered California offers two main types of financial help based on your household income, family size, and where you live:

Premium Assistance (Subsidy):Reduces your monthly premium — the amount you pay each month for your plan.The lower your income (up to certain limits), the higher your subsidy.
Cost-Sharing Reductions (CSR):Lowers your out-of-pocket costs like deductibles, co-pays, and prescriptions.You must enroll in a Silver-tier plan to qualify for these additional savings.

Who Qualifies for Income Help?

You may qualify for financial assistance if you:

Live in California and buy your own health insurance (not through an employer).
Have a household income between about 100% and 600% of the Federal Poverty Level (FPL).
Are a U.S. citizen, national, or lawfully present immigrant.

Even moderate-income families can qualify — especially when accounting for family size.

How Much Can You Save?

Every situation is different, but here’s an example:

A family of four earning around $80,000 a year could receive over $700 per month in premium assistance.
A single person making $35,000 might pay less than $100 per month for a quality Silver plan.

At EPIA, we use Covered California’s calculator and tools to show you exactly how much help you’re eligible for — before you enroll.

What If Your Income Changes?

If your income goes up or down during the year, it’s important to report it to Covered California right away. This helps adjust your subsidy amount and prevents you from having to repay any excess assistance later.

At EPIA Insurance Agency, we make these updates simple and guide you step by step through the process.

Why Work with EPIA?

Applying for financial help can feel overwhelming — but you don’t have to do it alone.

At EPIA, we help you:

✔ Check your eligibility for premium and cost-sharing assistance.

✔ Compare plans side by side.

✔ Apply accurately to avoid delays or errors.

✔ Stay compliant if your income changes mid-year.

We make sure you receive every dollar of help you qualify for — because affordable coverage means peace of mind for your family.

Covered California’s income-based assistance makes it possible for millions of Californians to afford quality health insurance — and you might be one of them.

Let EPIA Insurance Agency Inc. help you calculate your savings and enroll with confidence.

📞 +1 626-912-1988📧 info@epiagroup.com🌐 www.epiagroup.com

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