What is Covered California?

#CoveredCalifornia #HealthInsurance #加州全保 #加州健保 #健康保險 #CoveredWithEPIA


What is Covered California? 什麼是加州全保?





It's California's health insurance marketplace. With this program, Californians can get high-quality insurance coverage from top insurance companies through the Patient Protection and Affordable Care Act. With financial assistance and tax credits, you can find affordable health insurance plans.

加州全保是加州的健康保險市場。在該計劃的幫助下,加州居民可以通過《患者保障和平價醫療法案》從頂級保險公司獲得高質量的保險。通過經濟援助和稅收抵免,您可以找到負擔得起的健康保險計劃。


Who is eligible? 誰符合資格?


Your financial assistance eligibility will be determined by the federal poverty level (FPL). These levels are set by the Federal Government.

您的經濟援助資格將由聯邦貧困線 (FPL) 決定。這些級別是由聯邦政府設定的。


Health insurance premiums are based on: 健康保險保費是根據以下因素決定的:


  • Your age 年齡

  • Your ZIP code 郵政編碼

  • Your household size 家庭人數

  • Your projected household income 預計的家庭收入

  • The health plan and benefit level you select 選擇的健康保險計劃和福利級別


How does it differ from Medi-Cal? 加州全保和白卡的區別是什麼?


Medi-Cal offers very low-cost or free health coverage to eligible low-income California residents—it is California’s version of Medicaid and operates like an HMO. Covered California is the state’s health insurance marketplace where Californians can shop for affordable health plans and access financial assistance and tax credits. The primary difference is the cost, which is based on income eligibility. Insurance plans available through Medi-Cal and Covered California both offer essential health benefits.

白卡為符合條件的低收入加州居民提供非常低費用或免費的健康保險——它是加州版本的Medicaid,白卡的運作方式類似於HMO。 加州全保是加州的健康保險市場,加州居民可以在這裡購買負擔得起的健康計劃並獲得財務援助和稅收抵免。兩者的主要區別就是是費用,根據收入多少來判斷是否符合資格。 白卡和加州全保提供的保險計劃都提供基本的健康福利。


When can I apply? 什麼時候可以申請?


Open Enrollment for Covered California begins on November 1, 2021, and continues until January 31, 2022. However, if you have recently experienced a qualifying life event, you can enroll at any time of the year. Qualifying life events include:

加州全保的註冊期從2021年11月1日開始,一直持續到2022年1月31日。但是,如果您最近經歷了符合條件的生活事件,則可以在一年中的任何時間註冊。符合條件的生活事件包括:


  • Losing health insurance 失去健康保險

  • Moving to or within California 搬到加州或在加州之內

  • Being released from prison 從監獄獲釋

  • Getting married 結婚

  • Having a baby 生子

Source 資料來源: https://www.coveredca.com/

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