What is Covered California?

Covered California is the California state web based health insurance recently established to help Californians find and purchase affordable health insurance. Santa Barbara Health Insurance can help you when purchasing your insurance through Covered California at no additional cost to you.   We will also be there for you after the initial application process to help you with any service issues you may have in the future.

Many moderate to low income individuals will qualify for financial help when purchasing health insurance through Covered California.

There are three ways the government will help these people starting in 2014:

  1. Tax credits: Tax credits are available to help lower the cost of health coverage for individuals and families who meet certain income requirements.  Individuals making up to $44,680 and a family of four earning up to $92,200 may be eligible for a tax credit if they do not have affordable health insurance through an employer. For those that qualify, tax credits can be immediately applied to the insurance premium, which reduces the amount you pay each month.
  2. Cost-sharing subsidies: Cost-sharing subsidies reduce the out-of-pocket amount of health care expenses an individual or family has to pay. These expenses might include copayments  for health care services .
  3. Medi-Cal assistance: Starting in 2014, the State of California is planning to expand the Medicaid program (called Medi-Cal in California) to cover people under age 65, including people with disabilities, with income of less than $15,856 for a single individual and $32,499 for a family of four. The coverage is free for those who qualify and part of the provisions of the Affordable Care Act.

Santa Barbara Health Insurance Solutions can help you through this process.  It does not cost you any more to have us as your agent but the service and advice you receive is extremely valuable.


Here at Santa Barbara Health Insurance Services we know that no web site can substitute for courteous service from an experienced professional. Our staff is always happy to help with your California health insurance, California dental insurance, or term life insurance needs. Feel free to call us any time at (800) 765-1540.