What are some good online resources?
Covered California is the marketplace or exchange where legal residents of California can purchase health insurance. Open enrollment begins October 1, 2013, and coverage begins January 1, 2014. Individuals who are income eligible for federal premium assistance must purchase coverage through Covered CA. Small business owners who qualify for tax premium subsidies must obtain their group insurance through SHOP. Well-known insurance companies have been selected to participate in the shop. All plans offer qualified coverage which meet the essential benefits that are an intrinsic component of health care reform.
The National Association of Health Underwriters represents more than 20,000 licensed health insurance agents, brokers, consultants and benefit professionals through more than 200 chapters across America. NAHU members service the health insurance needs of large and small employers as well as people seeking individual health insurance coverage.
The California Health Care Foundation is an independent philanthropy committed to improving the way health care is delivered and financed in California. By promoting innovations in care and broader access to information, the Foundation strives to ensure that all Californians can get the care they need, when they need it, at a price they can afford.
The Kaiser Family Foundation is a non-profit, private operating foundation focusing on the major health care issues facing the U.S., with a growing role in global health. Unlike grant-making foundations, Kaiser develops and runs its own research and communications programs, sometimes in partnership with other non-profit research organizations or major media companies.
The California Department of Managed Health Care regulates Health Maintenance Organizations (HMOs). They receive and respond to consumer complaints.
The California Department of Insurance regulates insurance companies as well as agents and brokers. They receive and respond to consumer complaints.
The U.S. Department of Labor regulates federal laws such as ERISA.
Medi-cal offers free or low cost health care for those who qualify, including people with disabilities, and those with incomes of less than $16,395 for a single individual and $33,535 for a family of four.