Health insurance in California is a big deal. Being the most populated state in the union, it is required by law that every person have some form of health insurance. And, with nearly 38 million people, that means a lot of options as well as a lot of unique cases. Figuring out where you stand in all of this can be very confusing, especially if you are new to health insurance. With that in mind, lets answer a few basic questions that can help you determine what kinds of California health insurance are available to you.
- Are You Over the Age Of 65?
If you are over the age of 65, then you qualify for Medicare. Medicare is a safety net option created by the government to provide care for everyone over 65 years old. Being that it is designed as a last resort, many people will decide to stay on pre-existing medical coverage if at all possible. If it is not possible, then Medicare is your only available option.
- Are You Under 65, And Employed Or Earning Very Little?
If you are under 65 in age and are either underemployed or earning very little, then it is suggested that you get Medicaid. Medicaid, like Medicare, is offered by the government. However, Medicaid is for those under 65 years of age and is generally considered less expensive and more expansive than Medicare. Medicaid is also a social safety net, providing coverage for millions of people as they try towards a more stable and supportive form of employment. As no person can stop themselves from being laid off if fortunes are working against them, Medicaid is often seen as a necessity.
- Are You Employed But Your Work Does Not Provide Insurance?
There are millions of hard-working California residents whose employers do not provide some form of health insurance to their employees. Because of this, individuals will have to find coverage through the state run marketplace. Set up by the Affordable Care Act, the medical exchange exists as a place where you can select your level of overage and find a plan that meets both your medical need as well as ability to pay.
4 Are You Employed And Does Your Employer Offer Health Insurance?
Employer provided health insurance is usually the easiest to work out. When getting the job, you have to select what health insurance plan you want and how much money you want to pay into it.