Obamacare: Insuring California's Uninsured

OBAMACARE & CALIFORNIA insuring America's uninsured before obamacare after obamacare 11% 10% • employer • individual/other 11% 17% 57% 56% • Medicaid • unirisured 21% 8% • the marketplaces 10% Medicaid expands in some states to cover nearly 16 million additional low-income Americans. The new insurance marketplaces create the opportunity for millions of uninsured Americans to purchase coverage. insuring California's uninsured 5.3million eligible for insurance through the marketplace 2.6 million eligible for premium assistance based on income level 1-2 million now eligible for Medi-Cal income & eligibility income income $15,860 - 45,960 $15,860 or less $21,400 - 62,040 $21,400 or less $26,950 - 78,120 3 $26,950 or less $32,000 - 94,300 $32,000 or less $38,050 - 110,280 $38,050 or less may be eligible for premium assistance may be eligible for Medi-Cal obamacare enrollment timeline OCT 1 DEC 15 JAN 1 JAN 15 MAR 31 Enrollment Deadline for Coverage to Begin Jan 1 Deadline for Coverage to Begin on Feb 1 Enrollment Begins Coverage begins for those who registered Enrollment Ends before Dec 15 the marketplace premiums based on location income age plan company plan categories Bronze Silver Gold Platinum coverage ( of annual cost) 90% 60% 70% 80% your copayment 40% 30% 20% 10% deductible highest higher none none premium lowest lower high highest max out-of-pocket individual (2015) max out-of-pocket family (2015) $6,350 $6,350 $6,350 $4,000 $12,700 $12,700 $12,700 $8,000 plan types • Preferred Provider Organization (PPO): you pay less if you use doctors and hospitals that belong to the plan's network, but it provides some coverage for out-of-network care. • Health Maintenance Organization (HMO): limits coverage to care from doctors who work for or contract with the HMO; requires a primary care physician. It does not cover out-of-network care (except in an emergency)- • Exclusive Provider Organization (EPO): offers a full array of covered benefits from a limited single network of doctors. It does not cover out-of-network care (except in an emergency). California's marketplace providers Anthem Chinese Community HAeat CCHP Health BlueCross BlueShield Plan Health Net blue O SHARP CONTRA COSTA HEALTH SERVICES O- LA. Care Western Health Advantage HEALTH PLAN Valley Health Plan MOLINA HEALTHCARE KAISER PERMANENTE DUFFY'S NAPA VALLEY www.duffysrehab.com 888.717.9724 sources www.coveredca.com http://www.nytimes.com/interactive/2012/06/27/us/how-the-number-of-úninsured-may-change-with-and-without-the-health-care-law.html number of people in household number of people in household